Kimi190
2018-01-21 11:51:05
- #1
Hello everyone,
due to this week's storm "Frederike," the roof of my party room was damaged and partially detached. The roof was covered with bitumen corrugated sheets in the early 90s. As mentioned, the roof has now come loose and water has penetrated the ceiling. I have now spoken with my insurer. The building is covered by a floating replacement value insurance. The insurer told me that based on the photos, it is visible that the roof is not exactly new and that they would only cover a small part of the damage and not the full costs for re-roofing and repairing the water damage.
My question now is, is the insurer acting correctly and is it legally okay to pay only a small part, or is the insurer obligated to cover the damage fully due to the floating replacement value insurance? The building insurance includes fire, water damage from pipes, storm/hail damage.
Thank you!
Answers
due to this week's storm "Frederike," the roof of my party room was damaged and partially detached. The roof was covered with bitumen corrugated sheets in the early 90s. As mentioned, the roof has now come loose and water has penetrated the ceiling. I have now spoken with my insurer. The building is covered by a floating replacement value insurance. The insurer told me that based on the photos, it is visible that the roof is not exactly new and that they would only cover a small part of the damage and not the full costs for re-roofing and repairing the water damage.
My question now is, is the insurer acting correctly and is it legally okay to pay only a small part, or is the insurer obligated to cover the damage fully due to the floating replacement value insurance? The building insurance includes fire, water damage from pipes, storm/hail damage.
Thank you!
Answers