Hello, I have the following situation:
On a property, there are among other things "two" solid houses.
House 1 was built first. After a few years, House 2 was added to it.
Both houses share a common roof, an attic (converted in both houses), have separate entrances, and are only separated by a heating room.
Can this be considered a semi-detached house?
On a property, there are among other things "two" solid houses.
House 1 was built first. After a few years, House 2 was added to it.
Both houses share a common roof, an attic (converted in both houses), have separate entrances, and are only separated by a heating room.
Can this be considered a semi-detached house?
H
hanghaus202325 Nov 2023 13:10Can that really be the case? Then you have 2 semi-detached houses, which means double the price.
K
KarstenausNRW25 Nov 2023 13:36ajlex13 schrieb:
Both are located on one parcel of land and plot.
Background: In my case, a residential building insurance policy for a duplex is cheaper than taking out separate insurance policies for each house.Then you should ask your insurance company From my point of view, it seems more like a two-family house rather than two separate houses.
ajlex13 schrieb:
Can this be called a semi-detached house?I asked Master Yoda to discuss your question with Confucius. The answer is: "You can also call it Torben or Sheila." But since:ajlex13 schrieb:
Background: In my case, home insurance for a semi-detached house is cheaper than taking out separate insurance policies for each house.we already have the tricky comma: if the background is a natural hazard insurance, then just let them decide for themselves. What matters in the event of a claim is that they knew the risk and assessed it themselves. For that, you attach the cadastral map extract and the building permit / planning permission to the insurance application – then they have all the facts. You apply for insurance for ONE house and make the scope of the insured property clearly identifiable. When they issue the policy, that is what both contracting parties will see. Is this some kind of online shop that no longer has any local customer representatives (like Günter Kaiser)?ajlex13 schrieb:
On a plot, there are, among other things, "two" solid houses. House 1 was built first. After a few years, it was extended by House 2. Both houses share a common roof, attic (converted in both houses), have separate entrances, and are only separated by a boiler room. [...] Both houses have a ground floor and an attic. Between House 1 and House 2 on the ground floor is a boiler room, whereas the attics are directly adjacent. [...] Both stand on one cadastral property.From my point of view, this would be a maisonette apartment in an extension, and I suspect the building permit / planning permission treats it as such as well. Fire protection considerations would certainly have played a role here. I also assume the two-family house only has one single/shared lightning protection system. Building authorities usually do not check water damage risks, but noise and thermal insulation are taken into account.Conclusion: on the way to the philosophical answer, the building permit / planning permission for residential unit 2 will be a talkative friend. In the contractual relationship with the property damage insurer, though, it is more relevant that you assess the property without dispute. And here, the insurer is bound no more effectively to any viewpoint than to its own. If in this sense you had the "wrong" opinion and we all encouraged you unanimously to stick with it, you would be in trouble in case of a claim. So, pass the hot potato to your opponent ;-) (the latter was the Confucian part of the answer).
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ajlex13 schrieb:
and are only separated by a heating room.A utility room? A heating system? Then it is a two-family house.Similar topics