From In-Portal Developers Guide

Current revision

The most popular in the insurance market is property insurance. Insurance companies offer the citizens of both standard insurance contracts apartments, cottages, houses and other buildings, as well as agreements, the terms of which are developed individually.

Typically, hedge various rooms, stuff, equipment, goods, materials and supplies, as well as production equipment.

In a typical property insurance contract usually provides for the following insured events:

1. Damage to property by fire. To get an insurance payment in this situation, should definitely call the firemen and officially record the fact that a fire, even if the fire was extinguished before the arrival of their own fire brigade.

2. Damage by lightning. Such cases happen in country cottages, which are not equipped with lightning rods.

3. Damage as a result of mechanical damage caused by the collisions of cars, falling trees, aircraft and helicopters. Although such cases are rare and, but they do pretty extensive damage. Upon the occurrence of such an event be sure to call the police, to secure the event.

4. Damage resulting from the explosion of gas boilers, gas or explosives. Such cases should be fixed with the help of firefighters and specialists gas service (Olsztyn Hestia).

5. Property damage resulting from accidents plumbing, fire suppression, Gulf neighbors and other domestic situations related to water. To officially commit such accidents are usually caused DEZa representatives.

6. Property damage actions of third parties, such as theft, robbery, burglary, arson, vandalism or terrorist attack. Usually in such cases, criminal proceedings, and their materials are used as the basis for making insurance payments.

7. A specific case is the damage to property as a result of damage to business equipment, equipment failure or damage to an enforced break in production.

8. Finally, quite often does damage the property of natural and other disasters. The fact that the application of such damage is usually set by the State Meteorological Service.

There are also specific types of property insurance. These include liability insurance indefinite number of third parties for damages resulting from the use of its property insurance, risk of loss of property and others.

The sum insured under property insurance can never exceed the value of the insured property, which is usually installed by professional valuers.