Mein Lagerraum im Keller wurde heute überschwemmt.
Heute ist in Bern viel Regen gefallen, und möglicherweise hat ein defekter Abfluss bzw. ein Leck zu einer geringfügigen Überschwemmung im Keller geführt, die in die Lagerräume gelangt ist.
Mein Zimmer war durchnässt und alle Pappkartons und einige andere Sachen waren völlig durchnässt.
Ein Mann aus dem Wohnblock brachte eine Wassersaugmaschine mit und räumte die Gemeinschaftsräume auf. Ich räumte mein Zimmer auf und saugte mit der Maschine das ganze Wasser auf.
Die Agentur meines Wohnblocks sagt, ich solle mich bezüglich der beschädigten Gegenstände und des Verlusts an meine Versicherung wenden.
Aber ich schätze, der Gesamtschaden belief sich auf maximal 150 CHF plus einen Nachmittag, der damit verschwendet wurde, herumzulaufen und das Chaos selbst zu beseitigen.
Da die Selbstbeteiligung 500 CHF beträgt, muss ich dann alle meine Kosten selbst tragen? Auch wenn nichts davon meine Schuld war und ich es selbst gereinigt habe
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Von swissyfit
14 Kommentare
Your damages insurance.
Just annonce the case
Mine was already flooded twice, good luck, it’s really annoying.
Household insurance? Personally I would not make a fuss about it – it maybe is also stated in the rent contract that stuff needs to be store above a certain level in the locker (at least in mine it is stated)
If the damage is that low I would not contact my insurance. As you say, there is an amount you have to cover yourself. Doesn’t matter if you didn’t cause the damage.
The Selbstbehalt is what you pay before the insurance covers anything.
people should get ready for more bad weather, heat, cold, rain, snow, hail, storms
as long as we don’t care about the environment, we’ll all loose financially speaking
There is a selbstbehalt with insurances, you won’t get sh*t even if the landlord is at fault
Mc Donald’s will pay for that no worries
Insurance. I hope you had one.
The landlord could be liable if the damage was caused by a defect of the building.
If there were regularily floodings the landlord probably also should be liable if they didn’t protect against it adequately.
Since you have a rental contract the landlord usually has to prove they weren’t at fault. (But you have to prove the damage amount and the cause of the damage. ).
This is not legal advice, but I’d just write a nice but firm email to the management asking for compensation and explaining your reasoning. I wouldn’t push it too far because it’s not a lot of damage.
That is the reason why in put a bunch of pallets in my basement locker. Put everything on top, helps a lot since often floodings are only a few cm.
Well depends on why it flooded. Rain? Its on you or your injurance. Damage because they saved money on house maintenance than you gave to claim it from the owner.
I had a smilar case, the landlord or better to say the cleaning company didnt clean the drain.
so they paid for everything just report it to your liability insurance they do all the talking
Your household goods insurance („Hausratversicherung“).
CHF 500 deductible for storm and flood damage is mandated under Article 175 of the Swiss Supervision Ordinance (Aufsichtsverordnung, AVO).
Your landlord covers the building. The agency is wrong, if it is due to improper drainage, that is a problem with the building. However if it was due to a water pipe being left on by you then it would be your insurance and you would have to pay for it since your excess ie franchise is over 500. The cause of the flooding is very important. Agency will always try to palm it off on you so do your research.