If you find yourself in the unfortunate situation where your property has been damaged, either by fire, storm, water damage, or other forms of sudden damage, we are here to help.
As the policyholder, it is your responsibility to provide evidence that the damage to your property is a claimable event under your insurance policy. Situations where damage has occurred to your property can be difficult to manage.
This can involve the loss of personal and private belongings, handling practical tasks, and dealing with authorities and the insurance company.
Types of Insurance Claims:
Moisture and Water Damage
- Rising ground moisture, penetrating surface water, or moisture-loaded ground slabs
- Moisture resulting from leaking penetrations of drains, etc., in ground slabs
- Moisture damage in the foundation, ground slabs, or floors, for example, due to faults in perimeter drains
- Leaking flashings and valley gutters
- Leaking underlay
- Unventilated vapor-tight underlay
- Leaky or improperly placed vapor barriers resulting in moisture problems
- Leaking supply and drainage installations
- Corrosion in pipes and water installations
- Reverse slope in sewers leading to significantly reduced function or lifespan
- Fallen tiles in wet areas due to errors in adhesive choice or application
- Insufficient adhesion of floor and wall tiles in wet areas
- Significant leaks in the building envelope
- Moisture damage resulting from the use of damp materials
Mold:
- Visible mold in living or recreational rooms
- Visible mold outside of living or recreational rooms that poses a general and significant health risk due to airflow into living or recreational rooms and/or the mold’s location in relation to these rooms
- Hidden mold that poses a general and significant health risk due to airflow into living or recreational rooms and/or the mold’s location in relation to these rooms
Fungus Damage:
- Wood-decaying fungi in, for example, windows, doors, dormers, bay windows, or roof structures or other load-bearing structures
Settlement Damages/ settlement cracks:
- Damage to load-bearing and stabilizing structures with a risk of collapse or deformation of the building part
- Lack of constructive connections with a risk of collapse or deformation of the building part
Significantly Reduced Lifespan of Structures and Materials Compared to Normal Expected Lifespan
- Accelerated decay of door and windowsills
- Deteriorated mortar joints in masonry due to poor mortar quality
- Rust on reinforcement bars in, for example, balconies due to errors in the concrete cover over the reinforcement bars
Other Damages:
- Cloudburst damage.
- Fire damage
- Storm damage
- Design errors
- Construction errors during the building period
- Sudden damage, among others
- Lack of or reduced function of electrical installations
- Lack of or significantly reduced function of heating, ventilation, and sanitation installations
- Repair of current damages and physical conditions of the buildings that pose an imminent risk of damage to the insured buildings or building parts
The above list is not exhaustive of all types of damage.
By “damage” is meant any breakage, leakage, deformation, weakening, cracking, destruction, or other physical conditions in the building that significantly reduce the building’s value or usability compared to similar intact buildings of the same age in generally good maintenance condition. Missing building parts can also be considered damage.
- If you have a claim, we will assess the damage on a case-by-case basis.
- Once we understand the damage and its cause, we can help review your insurance policies to determine if the damage may be covered by your insurance.
- If the damage is covered by your insurance, we can assist you in ensuring that you receive fair and just compensation for your loss.
There is help available through your insurance if your damage is covered by your policy:
All policyholders have the right to seek independent assistance in connection with the damage assessment.
Your insurance also covers a certain amount for this assistance and for subsequent construction case management, in addition to the compensation you are entitled to for the damaged building.
The costs for an independent advisor are not covered by the insurance if no damage covered by your policy is found, or if the insurance company determines that the damage is not complex and does not require independent advisor assistance.
In all situations, you should initiate a dialogue with your insurance company regarding whether you can obtain the right to independent assistance and to what extent this will be granted.
KabelChristensen has experience with the following types of insurance:
- Mandatory building damage insurance in Danish” byggeskadeforsikring”
- Construction insurance
- Change of ownership insurance, including processes in the Insurance Appeals Board
- Home insurance/property insurance
- Project advisor insurance/professional liability insurance