What is covered by water leakage insurance in the house?

For a long time, house leakage has been the biggest headache for the majority of owners.

Because once the risk of water leakage in the house occurs, the owner will not only have to bear the loss of decoration and furniture, but also may affect the neighborhood relationship and even cause disputes. The introduction of house water leakage insurance is a good solution to this big problem for owners, before applying for insurance, let's take a look at what the house water leakage insurance compensation coverage includes.

Home water leakage insurance is home contents insurance.

If the owner has a house leakage insurance for his loving home in advance, then there is a problem with the waterproof project of the insured house during the insurance period, and if it is reworked within one year after the insurance period or after the end of the insurance, the insurance company will compensate for the economic losses caused by the damage to the furniture, tiles, waterproof materials, and ceiling materials caused by the leakage of the house, in addition, for the third-party liability caused by the water leakage of the house, it also provides a certain amount of insurance compensation, and the specific citizens before applying for insurance, Carefully check the terms and conditions of the home leakage insurance claims provided by the major insurance companies, because the rules of the major insurance companies in terms of the coverage of the home leakage insurance may be slightly different.

Generally speaking, the scope of compensation for house water leakage insurance will include the economic loss caused by the damage to furniture caused by water leakage in the insured house and the risk of third-party liability.

The insurance rules of different insurance companies may be different, and the insurance company will verify according to the actual insurance terms, which shall be subject to the specific insurance terms. If it is Ping An Insurance, it is recommended to call 95511-5 and follow the voice prompts to enter the manual service consultation.

Housing water leakage insurance is a kind of home property insurance, usually in the form of additional insurance, if the owner in advance for the home on the house water leakage insurance, then during the insurance period of the insured house waterproof engineering problems, and during the insurance period or within one year after the end of the insurance rework, the insurance company will compensate for the economic loss of furniture, tiles, waterproof materials, ceiling materials damaged due to house water leakage, in addition, for the third party liability caused by house water leakage, also provide a certain amount of insurance compensation, Before applying for insurance, the specific public should carefully check the terms and conditions of the housing water leakage insurance claims provided by the major insurance companies, because the provisions of the major insurance companies in the scope of housing water leakage insurance compensation may be slightly different.

If it is caused by human factors, it is not possible to make a claim; If it is a natural or man-made disaster, it can be claimed; If it is some natural damage, it can also be claimed. The author believes that compensation can be mainly made in the event of natural or man-made disasters or natural damage。It can be analyzed from the following three aspects.

1. The cause caused by human factors cannot be claimed

First of all, for the house, if there is a water leakage, as long as it is a water leakage caused by human factors, then it is possible to take a photo and upload it to the local insurance company to try to apply for claim processing, after all, in most cases, for some human factors caused by the house leakage is unable to handle the claim, these scenarios are often not included in the scope of housing property insurance, many times for the insurance company, it is not accepted for this special scene of property accident insurance claims.

2. Claims can be made for natural and man-made disasters

After all, for the insurance company, the scenario covered by the insurance contract should be handled by the insurance company, after the disaster, the homeowner can take the initiative to shoot the corresponding house leakage**, and then selectively upload it to the online app of the corresponding insurance company, and there will be a special surveyor to the scene to deal with it.

3. Natural damage can be claimed

For some cases of natural damage to the house, the homeowner can choose to take the initiative to shoot the corresponding ** to the corresponding insurance company for claim processing after discovering the corresponding house loophole and leaking water in rainy days, which also belongs to a scope covered by the insurance contract, and in most cases it is possible to apply for claim processing, unless it is a very special scene that is not covered by the housing property insurance.

Note: After discovering the water leakage in the house, the homeowner should analyze the incident in combination with the actual situation, and give priority to applying for compensation if the claim can be made.

It is not covered by the insurance, if the house collapses due to natural reasons, and the damaged area is relatively large, the property damage can be applied for.

It is not covered by the insurance claim. The circumstances that can be claimed for compensation are those that have been affected by natural disasters, have been damaged by natural disasters, have been damaged by natural disasters, or have been damaged by man-made damages.

I feel that the leakage of the house is within the odds of the insurance, and when the situation is very serious, I can only apply for compensation.

It mainly depends on the scope of the insurance you buy? If you buy accident insurance, you may be compensated.

Hello. Your housing leakage insurance will not necessarily compensate for this situation, the most important thing depends on what type of insurance you buy, whether it meets the requirements of insurance, whether it is within the scope of insurance compensation, specifically based on the contract you signed, I wish you a happy life.

The specific compensation standard will vary depending on the insurance company. The scope of water leakage insurance generally covers the economic loss of furniture, tiles, waterproofing materials, and ceiling materials caused by water leakage in the house. If a third party is involved in the loss caused by a water leak in the house, the third party compensation is also included.

[Legal basis].Article 60 of the Insurance Law.

If an insured accident is caused by a third party's damage to the insured object, the insurer shall subrogate the insured's right to claim compensation from the third party within the scope of the compensation amount from the date on which the insurer compensates the insured. If the insured has already received compensation for damages from a third party after the occurrence of an insured event provided for in the preceding paragraph, the insurer may deduct the amount of compensation already received by the insured from the third party when compensating the insurance money. The insurer's exercise of the right to claim compensation by subrogation in accordance with the provisions of the first paragraph of this Article shall not affect the insured's right to claim compensation from a third party for the part for which compensation has not been obtained.

The insurance company pays out the following process for home leakage insurance:

1. Notify the insurance company as soon as the insured accident occurs.

2. When making a claim, you must provide an insurance policy to the insurance company.

Loss lists, invoices, expense documents and relevant department certificates, such as house leakage loss certificates, meteorological certificates, etc.

3. After the materials are complete, the claim applicant should submit it to the staff of the claims department of the insurance company in time, and then the insurance company will review the materials, and determine the compensation amount according to the applicant's previous housing leakage insurance amount, coverage and loss amount and liability definition of the insurance accident.

4. After the two parties reach a consensus on the claim, the insurance company will pay the insurance compensation amount according to the agreed time. Generally speaking, the period of the insured's claim shall not exceed 2 years from the date on which the insured becomes aware of the occurrence of the insured event.

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1. Compensation standards for water leakage losses in houses.

If the damage is caused by water leakage in the house, the responsible party shall be responsible for compensation. 1. The repair cost required to repair the water leakage. 2. Loss of other property caused by water leakage.

The amount of property loss may be determined by negotiation between the two parties, or if the negotiation fails, it may also be determined by entrusting a third-party appraisal agency to conduct an appraisal.

2. What are the common housing quality problems?

1. The building is unstable. The overall strength of the building is insufficient, and the building will swing in strong winds after being shaken; Due to the incomplete structure and the insufficient bearing capacity of part or all of the load-bearing system, the building has the hidden danger of partial or total collapse, which is a manifestation of the instability of the staircase.

2. The wall is empty. If the connection between the internal blocks and layers of the wall is not good, it will form a hollow under the action of pressure and temperature difference, resulting in the reduction of the overall compressive capacity of the wall and the falling off of the surface stucco layer.

3. Leakage. Imperfect waterproofing, poor quality of waterproof materials and many other reasons will lead to roof leakage, kitchen and bathroom leakage outward, and vertical leakage downstairs.

4. Cracks. Cracks are divided into strength cracks, settlement cracks, temperature cracks, and deformation cracks, which are caused by insufficient material strength, uneven stress on the structure and wall, insufficient tensile and extrusion strength, uneven settlement of the building, quality of building materials, and insufficient drying after masonry.

5. The design position of water, electricity and heating is unreasonable. The design types of water meters, floor drains, power switches, power sockets, radiators, gas stoves and other types are not perfect, and the design location does not meet the requirements of daily life, which affects the furniture layout and has potential safety hazards.

First of all, ask the housing quality inspection department to make an appraisal report on the cause of water leakage in the house and how to fill the leakage; After identification, if it is the cause of the adjacent party, the adjacent party may be required to repair it immediately or in a timely manner on the basis of the report, and may request compensation from the adjacent party for the damage caused during the repair period. If the adjacent party does not cooperate, the injured party can take the dispute to court. The legal basis for this is Article 83 of the General Principles of the Civil Code

The adjacent parties to the immovable property shall, in accordance with the spirit of conducive to production, convenient life, solidarity and mutual assistance, fairness and reasonableness, correctly handle the adjacent relationship in areas such as water interception, drainage, passage, ventilation, and lighting. Where obstructions or losses are caused to neighboring parties, the infringement shall be stopped, the obstruction removed, and the losses compensated. If the adjacent party does not comply with the court's judgment, the injured party can ask the construction team to repair it from the downstairs, and the expenses incurred can be claimed by the court for compensation from the owner of the upper floor.

1. The developer is responsible for the service life of the house if it is within the scope of quality warranty; 2. If the leakage part is reinstalled, the decoration company is responsible; 3. The developer's problems are far better coordinated than the decoration company; 4. If the decoration is the responsibility of the developer, the developer will be directly investigated.

Housing water leakage insurance is a kind of home property insurance, usually in the form of additional insurance, if the owner in advance for the home on the house water leakage insurance, then during the insurance period of the insured house waterproof engineering problems, and during the insurance period or within one year after the end of the insurance rework, the insurance company will compensate for the economic loss of furniture, tiles, waterproof materials, ceiling materials damaged due to house water leakage, in addition, for the third party liability caused by house water leakage, also provide a certain amount of insurance compensation, Before applying for insurance, the specific public should carefully check the terms and conditions of the housing water leakage insurance claims provided by the major insurance companies, because the provisions of the major insurance companies in the scope of housing water leakage insurance compensation may be slightly different.

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