who pays for damage

beaufoy

I do understand that this varries from one MUD to another, but I thought as a general rule if an apt window was broken from the outside ie a child throwing a stone then the repair is paid from the service charge, and if the window is broken fro the inside then the resident has to pay...well a child broke my window from the outside and the management company said i had to either pay or claim on the block insurance. I looked up the insurance which the management company claims is a good policy and it seems I have to pay the first 1000 euro towards a window being replaced which is usually about 200 euro.
Also is the apt balcony flooring the responsibility of the service charge or the resident

BiggJim

beaufoy wrote: »

I do understand that this varries from one MUD to another, but I thought as a general rule if an apt window was broken from the outside ie a child throwing a stone then the repair is paid from the service charge, and if the window is broken fro the inside then the resident has to pay...well a child broke my window from the outside and the management company said i had to either pay or claim on the block insurance. I looked up the insurance which the management company claims is a good policy and it seems I have to pay the first 1000 euro towards a window being replaced which is usually about 200 euro.
Also is the apt balcony flooring the responsibility of the service charge or the resident

What happened the window?

JustAThought

A child broke the window? With a stone/ball? Did you see it? Accident or not damages will have to be paid for. Get onto the childs parents or their landlord. Your insurance will be permanently weighed if you claim in it and you can expect further policy hikes as a consequence if you claim on it. Report it to the gaurds and follow up with the parents.

BiggJim

JustAThought wrote: »

A child broke the window? With a stone/ball? Did you see it? Accident or not damages will have to be paid for. Get onto the childs parents or their landlord. Your insurance will be permanently weighed if you claim in it and you can expect further policy hikes as a consequence if you claim on it. Report it to the gaurds and follow up with the parents.

I'm sure Jacintha down the road will have no problem righting young Anto's wrong in the interest of fairness lol.

Baby01032012

beaufoy wrote: »

I do understand that this varries from one MUD to another, but I thought as a general rule if an apt window was broken from the outside ie a child throwing a stone then the repair is paid from the service charge, and if the window is broken fro the inside then the resident has to pay...well a child broke my window from the outside and the management company said i had to either pay or claim on the block insurance. I looked up the insurance which the management company claims is a good policy and it seems I have to pay the first 1000 euro towards a window being replaced which is usually about 200 euro.
Also is the apt balcony flooring the responsibility of the service charge or the resident

Glass is likely to be part of the apartment not the common area. The OMC didn’t cause the damage why would you think all members should pay for your window. As above replace yourself or go after the kid who broke it.

Del2005

beaufoy wrote: »

I do understand that this varries from one MUD to another, but I thought as a general rule if an apt window was broken from the outside ie a child throwing a stone then the repair is paid from the service charge, and if the window is broken fro the inside then the resident has to pay...well a child broke my window from the outside and the management company said i had to either pay or claim on the block insurance. I looked up the insurance which the management company claims is a good policy and it seems I have to pay the first 1000 euro towards a window being replaced which is usually about 200 euro.
Also is the apt balcony flooring the responsibility of the service charge or the resident

No you have to pay €200 for the glass to be replaced as the claim is less than the excess. If the claim was for €1001 you'd have to pay the excess of €1,000 and the insurance company would pay the remaining €1.

You can in theory chase up the person who broke the window, but even if it wasn't a child that broke the window getting money off people who don't want to pay in this country is nearly impossible.

beaufoy

Del2005 wrote: »

No you have to pay €200 for the glass to be replaced as the claim is less than the excess. If the claim was for €1001 you'd have to pay the excess of €1,000 and the insurance company would pay the remaining €1.

You can in theory chase up the person who broke the window, but even if it wasn't a child that broke the window getting money off people who don't want to pay in this country is nearly impossible.

would you consider a 1000 excess on a broken window claim a good insurance policy

Caranica

beaufoy wrote: »

would you consider a 1000 excess on a broken window claim a good insurance policy

To be honest 1k excess on a block management policy is low!

Del2005

beaufoy wrote: »

would you consider a 1000 excess on a broken window claim a good insurance policy

The €1k excess is on any claims made on the block policy. Most house policies would have >€250 excess. My car excess is €250 and IIRC my bike excess is €350.

So if you have a claim for €200 you'd have to pay it with nearly every insurance policy available.

Baby01032012

beaufoy wrote: »

would you consider a 1000 excess on a broken window claim a good insurance policy

Extremely good. It’s not a personal policy it’s a block policy covering 10s of millions of euro..depending on the size of the block. Most blocks are minimum €3k on any claim.

beaufoy

beaufoy wrote: »

would you consider a 1000 excess on a broken window claim a good insurance policy

On a job costing €200, yes, on a job costing €20k, no. Thing is, same excess applies to all claims, big and small covered by the insurance policy.

beaufoy

Dav010 wrote: »

On a job costing €200, yes, on a job costing €20k, no. Thing is, same excess applies to all claims, big and small covered by the insurance policy.

it wood seem on the policy the excess for windows is 1000 and excess for flooding is 3000 and i believe for fire is 5000....bang goes your theory