Fire and natural disasters

Fire and other disasters is a voluntary form of insurance that specifically addresses legal persons

Besides the mandatory housing policy PAD, legal persons can enter into a voluntary insurance policy owned property. Ideal form of protection implies the existence of a policy so required, and to the voluntary, signed on the same building, which leads on the one hand the complete protection of patrimony in terms of risks insured and the insured amounts.

Risks covered by the policy are provided in the insurance contract and differs very little from company to company. The risks insured under this policy are those known as Flex, namely: fire, lightning, explosion, collapse of buildings on the property insured. Besides these basic risks, you can add other types of risks such as:

- Storm, hurricane, storm, tornado

- Heavy rain - direct effects, including those caused by water entering through cracks and ruptures caused by atmospheric phenomena manifested concomitantly with rain

- Theft by burglary and / or robbery of building elements composition of the building and property, vandalism, terrorism

- The weight of snow, avalanche

- Hitting from the outside by motor vehicles other than those belonging to the insured

- Shock wave caused by aircraft (sonic boom)

- Earthquake

- Wild animals attack

- Damages plants and plant products due to power surges or indusctiei

- Failure of pressure vessels and installations

- Damage due to overflowing sewers or water pipes and sewer damage

Remandam customers to check the policy exclusions at the end of the contract, that those risks are not covered by the insurance company. A basic principle of this policy is that those uncovered damages resulting from random events. If the event depends on the insured or beneficiary will be risking the loss of all rights under the contract.

The client will propose insurance company insured amount as the result of periodic evaluation reports prepared by experts and will report to the carrying value of the property if it is newly built.

This form of insurance is one that is based on the principle of real value. This means that if the insured property is supraasigurat (sum insured is greater than the value of an evaluation report prepared by an authorized person), the compensation will be made according to actual value, ie that of the evaluation report. If the building is subasigurat, you will be compensated in direct proportion to the premium paid. This principle applies both to total damage, and the partial.