How to insure an apartment in Russia
Agents insurance companies are confused: if testimony and second homes insure citizens are very active, the flat risk of damage or loss protect the few. How to guarantee a "shelter" for little money? More recently, almost all Russians were employees of the State house today, the majority owned flats on the rights of owners. Age thing, but problems remain-for example, in the minds of bone vpechatalos feeling that if something happens to the housing, it has always provided.
And it is the State and bound for the case. It would seem that this paradoxical logic is only for those whose housing is privatized, Social employers. However, the owner sometimes behaves more carefree, but, according to the Civil Code, it bears the burden of responsibility for their own housing.
Precedent fire Zhulebine last year when completely destroyed several floors in the WCC and damaged 45 apartments, proved this. Insurance no one has. The City said : The resolve problems themselves. All apartments tenants reconstructing their own. If the house was not reinforced, and more old, for example, would have wooden floors, the fire clearly lead to the recognition of his escape, and people just go on the streets.
Even if we buy housing, the only insurance is often mandatory mortgage insurance "in a concrete box, suspended-bearing walls of the apartment. Such risks voluntarily virtually no insurance. Also rare individuals correctly payers in the soft housing insurance (LSZH), which are conveniently set directly in the utility bills. And that very rarely happens when someone ozadachivaetsya classical or commercial insurance flats. Polis at home with the knowledge of LSZH usually limited to the usual set of stamps : "wonder how it works" or "serious injury insurance, contributions to which are less than hundreds of rubles per month, may not meet" as well as "hardly anything city wish to pay when it occurs, because there are always lots of reservations. " In hindsight, it appears that, despite many flaws, the program operates, and the number of participants is growing. In Moscow, from 3 million apartments, which can be applicable LSZH, insured more than half. By participating in the competition allowed seven companies, each of which has a specific district. Rosno works in East, "Spasskie gate" in the West and Southeast, MESKO in Zelenograd, Northern and Southern districts are administered by the company MAKS, Northeastern, "Finance", Southwest-FAC, Central and North-MSK. Every year insurers to deliver mail customers a certificate of insurance dwelling. The contribution is included in the monthly EPD (a single payment), along with cost of heating and water. Pay it or not - is solved itself. There is a question : how to insure, if the contract is entered into by both parties, and a letter from the insurer resembled flyer than paper? "From a legal standpoint, this is an offer to contract insurance," explains Director of the Moscow regional insurance company (MSK) Oleg Mishugin. - Acceptance of this offer, the acceptance of its terms, a payment of the premium.
Immediately after the insurance coverage that came by mail, becoming a full contract, but with the first day of the month following the payment of apartments is automatically insured ". If the next month is not paid, insurance suspended. You can pay for any period up to one year. Housing may insure only the owner or employer, and if the first is still housed in a property at a discount program, it can handle only one of the apartments, the one which is registered. The cost of one square. m for calculating the same for any type of housing, regardless of area homes and finishing at 90 kopecks to "square" the total area per year. For residents of CAV, LCD and HHAs raising tariffs-1.5 rubles per metre. The maximum insured sum equivalent to a square metre is 17 thousand or 25 thousand roubles per metre respectively. The 70% of the burden falls on the insurer, 30% of the city government, which is the guarantor of the programme, in the case of force majeure as a total loss premises shall provide living space. However, at a discount insurance owner of the new city will provide housing in accordance with social norms, and not lost pink. "The law provides for the insured living standards of 18 square metres. m for each family member, "explains Head of the Municipal Housing ROSNO insurance Vladimir Lomakin. The flat-suitability for further accommodation and the provision of alternative housing instead of worn solve the housing policy department of Moscow ". The loss of flats with "emergency" housing owned by the city room of social norms do not provide, but only pay the full insured amount. Compensation would not cover the market value of the apartments, but it is better than nothing.
The city shelter is portrayed as "the main thing" LSZH in reality is not widely applied. According to the insurers themselves, the risk of loss of apartments because of its total destruction minimal. No one interviewed our company would not describe specific instances of the new housing insurance : "there were, but not from us." Most seriously, there has been, is to replace the inter-storey floors. The coordinator of the Town Center housing insurance also could not give an explicit answer to the question, are insurance cases to relocate or not. For tenants to insure that in the event of an emergency at home not living on the streets, also has no meaning, because the city government and so moving them without any premium. Cheap and good set of risks for LSZH a modest but close to commercial insurance. The fire and the consequences of fighting, Gulf water from accidents, natural disasters, buffeted and hurricanes. "Market" insurers that do not combine activities in the segment LSZH with commercial insurance still dislike the program and often attributed her limitations - for example, suggest that the insurance on the policy only from accidents involving municipal services. The main enemies of the owner of the apartment, water pipes and worn. According to Oleg Mishugina, more than half of incidents, accidents water systems, while 70% of Gulf occurs through no fault of the people, that is covered by the payment of approximately two-thirds of "wet" accident. The fact is that under the terms of LSZH paid only if there was an accident. Offset the damage is, if the perpetrator flood forgot to close the valve. Leakages washing machine, as well as the teapot, unfortunately, does not fall within the insurance case is a "broken home vodopotreblyayuschey technology." In the event of fire, if it causes a household appliances or electronic equipment, not equipment related to accommodation, or improperly installed electrical wiring, the insurer is entitled to recover damages. As practice shows, receive compensation for concessional insurance is not difficult to find.
If the apartment flooded, should immediately call the DEZ, although there record treatment. For three days to inform the insurance company of the insurance period, its employees say, the documents needed to obtain redress. In addition to the treaty would require an act of DEZa clerk. The company provides expert, which is assessing the damage. Since then, 70% of the amount you transfer from the insurer, and about two weeks after all the checks its 30% preferred city. If damaged, assume part of the ceiling, damage assessment on the basis of its cost ceiling in the insurance value of the flat. At the finish of LSZH accounting for a third of the sum insured, or about 6 thousand rubles per 1 square. m with a maximum damage. Of course, more or less expensive repairs that insurance did not cover. The maximum insurance amount will be paid only in case of total destruction of housing, and then, if the insured chooses monetary compensation instead of flat. Private insurance payments to events such as the Gulf are likely to be much less than the actual damages. "In three cases, payments were in the area of 65 thousand roubles, accounted for most of the parquet. A fire in an apartment in an area of 60 square kilometres. m full-time (fire, soot, water) led to the payment of 280 roubles, "a shared experience insurers.
That modest payment for insurance is the main problem of grace. "Municipal Insurance housing used in a number of Russian regions, unfortunately, did not meet the basic idea of insurance : real compensation for the damage caused to property, not people," says director of property and liability insurance to individuals Rosgosstraha "Alexander Blayvas. According to the chief specialist of technical underwriting insurance property and liability RSK Larisa Romanenko,
with LSZH insurance is not on the market price of a fixed amount set by the program.
Translation. rway.ru