It only seems that your apartment is a fortress. And there you are safe. As the sad statistics shows, the cataclysms are often happening inside the residential premises: rains are poured from the ceiling, the outlets flashes, the elevators fall, the household gas explodes.
The beginning and peak of typical house-building came to Soviet times: today, most of the country's population lives in homes built until 1991. They built them well, but time makes their own adjustments - many buildings are in dire need of reconstruction. This happened due to the global inaction of exploiting organizations, which for many years have not made due repairs and did not support buildings in working condition. We are without exaggeration on the verge of Housing and Catastrophe, and it will certainly happen if not take action.
Ruslan Kirnichsky shares his own experience in this text.
At the end of January, an accident happened in my house: broke the highway heating, which goes in the wall. The 10 floors were flooded with boiling water, the water left not only to the apartment, but also flooded the elevator shaft, provoking there a short circuit of the electrical network and local fire, followed by a cliff of the elevator cable.
The chief engineer of the management company was waiting for my arrival for more than an hour, assuring that the leakage happened to me - in the apartment on the 9th floor ("on the 10th he was already there no accident there is no"). But it was worth opening the door of the apartment - streams collapsed on us From the ceiling. Only after that, the locksmith rushed into the basement to overlap the highways. But it was too late: the water reached the first floor, flooding apartments and an elevator mine.
How to behave during flooding?
1. Report that happened in the emergency service. Be sure that the answering machine of the hotline will be modestly reported to you that the emergency service is working from 9 to 18 hours on weekdays. Because my advice is in advance while there is no accident in your house - go and find out the personal features of the personnel management organization. If you call according to the right phones, the emergency room is guaranteed to come and at night on Sunday.
2. Disconnect the power supply of the apartment - it will help to avoid closure, which can provoke the water that fears.
3. If possible, transfer valuable things and equipment in the most dry honor of the apartment.
4. Pots, towels, bed linen kits - In the fight against water, all means are good (changing the parquet is just more expensive than throwing a couple of pillowcases).
5. Communicate an Act about the accident in the operating organization. And not postponing to your insurance company - let me know about what happened.
Why do you need to insure the dwelling?
Miscellaneous situations happen, and I as a victim with experience (in the old apartment, the neighbors above poured my house regularly), like no other to know what to compensate damage is a challenge complex and low-quality.
If your apartment is not insured, then in the event of an accident, all responsibility falls on the owner's shoulders. If the leakage happened not in your fault (the heating pipe burst from the hydroudar or highway to the ball crane, the neighbors were filled from above, etc.), then this will have to prove in court with expensive expertise. And the employees of the management company will say that you "jumped on the radiator and did not happen to any hydrowater in our fault." In this case, the court will require exactly with you the conclusion of an expert. Of course, you will prove your rightness, but it will take a lot of time and nerves, because everyone will have to confirm documented, and each paper in court is the time and money.
Photo "To"
Services of appraisers and experts costly. Parquet is spoiled? It is necessary to conclude a scale of damage, determination and evaluation of damage. Moreover, the court will decide: "Pay in the direction of the plaintiff (owner) 100 thousand rubles and reimburse the winning side court costs in the amount of 30% of the amount spent". Even if you are satisfied with the decision, it does not guarantee that the loser's dispute party will not submit a complaint to the decision of the district judicial body into a higher authority. Of course, this dispute will not reach the Strasbourg court, but a couple of years will pass in the proceedings.
The same applies to cases where the leakage occurred due to the fault of the neighbors: the same long and complex trial. And if you are to blame for the accident, you will have to carry even more costs. In order not to learn the entire judicial branch of the government, I decided to insure the property of the apartment and my responsibility: and so that my insurance company will reimburse the damage to the damage.
I recommend especially to insure responsibility in the case of repair work in your apartment, because often accidents happen due to the fault of a non-professional contractor or its error.
Nuances of communicating with an insurance company
1. Choose it by reviews about real cases of damages.
2. Find out the insurance conditions with special care. Unfortunately, not all insurance companies work transparently and honest. For example, one of the important conditions of my insurance is "notice of an accident within a three-day after the incident." Accordingly, if I called on the fourth or tenth day after the leakage - it would not be an insured event. There may be weight such nuances.
3. The policy is better to purchase in advance, while the old one has been operating, because the new insurance document comes into force on day 11 after payment. And if the accident happens the day after the purchase of the policy, this is not an insured event again.
4. The best is a good enemy. Do not attempt to change the insurance agent if you have no complaints about it. I have succumbed to the restriction services of the new company, I was 2.5 times higher than the previous one, but the agent managed to convince me to conclude a contract according to which I am not subject to material responsibility for damage caused by the property of third parties and any breakdowns, leaks that My insured property will spoil. After a message about the accident, the agent called me back in a week and immediately cut off: "It turns out, the pipe burst due to the windiness, your management company is responsible."
Of course, I called back because I want to meet a person who, without inspecting the apartment, can determine the zone of responsibility and invent the reasons for the refusal that contradict the insurance contract. But the official answer was not followed. My calls to the main office also did not give results, but I continue to call, as the lawyer advised, who is now preparing a claim for the court. There was no one to blame - it was not necessary to change the insurance company to the one with a more attractive policy.
At the end of this not the most joyous article, I want to remind: at home require repair, communications - replacements, and you can reconstruct and replace all pipes as part of your property, as I did. But this does not give a guarantee that the accident will not happen in some apartment above and your repair does not have to start first.
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