U
uschmidt6919 Sep 2010 20:26Hello everyone in the forum, maybe someone here can help us.
Our house burned down 2 months ago, meaning 2 rooms were completely destroyed by fire and the facade was damaged. The remaining rooms were affected by the gas fire and smoke/soot.
It is a prefabricated house with a timber frame structure from 1973 and fiber cement panels on the facade. One of the facade panels cracked due to the heat and probably needs to be replaced.
The insurance company commissioned a firm to assess whether the house is suitable for renovation. According to the company, this is possible.
Now my questions:
1. If the exterior facade is altered or changed, do the new thermal insulation regulations have to be followed?
2. If one exterior wall is repaired, what about the other old walls that do not meet the new thermal insulation standards?
3. If we decide not to renovate the house, what claims do we have on the building fire insurance (for example, coverage of demolition costs)?
Thank you very much for your help.
Regards, Uwe
Our house burned down 2 months ago, meaning 2 rooms were completely destroyed by fire and the facade was damaged. The remaining rooms were affected by the gas fire and smoke/soot.
It is a prefabricated house with a timber frame structure from 1973 and fiber cement panels on the facade. One of the facade panels cracked due to the heat and probably needs to be replaced.
The insurance company commissioned a firm to assess whether the house is suitable for renovation. According to the company, this is possible.
Now my questions:
1. If the exterior facade is altered or changed, do the new thermal insulation regulations have to be followed?
2. If one exterior wall is repaired, what about the other old walls that do not meet the new thermal insulation standards?
3. If we decide not to renovate the house, what claims do we have on the building fire insurance (for example, coverage of demolition costs)?
Thank you very much for your help.
Regards, Uwe
B
Bauexperte20 Sep 2010 10:11Hello Uwe,
You need to check your insurance documents and the corresponding terms and conditions; no one here can provide you with definite advice since we are not familiar with your specific contract arrangements. Furthermore, only a lawyer is authorized to provide legal advice.
Regarding the rest of your questions, a similar approach applies. The company that inspected your house to assess whether renovation is possible will have compiled a kind of report outlining how the renovation can or must be carried out, which they will have submitted to your insurance company. Your questions should be answerable based on that scope of work.
Kind regards
uschmidt69 schrieb:
....3. If we do not want to renovate the house, what claims do we have under the building fire insurance (coverage for demolition costs?)
You need to check your insurance documents and the corresponding terms and conditions; no one here can provide you with definite advice since we are not familiar with your specific contract arrangements. Furthermore, only a lawyer is authorized to provide legal advice.
Regarding the rest of your questions, a similar approach applies. The company that inspected your house to assess whether renovation is possible will have compiled a kind of report outlining how the renovation can or must be carried out, which they will have submitted to your insurance company. Your questions should be answerable based on that scope of work.
Kind regards
Similar topics