Home appliance intended to automatically clean, rinse and spin clothes and linens.
The main causes of water damage include flooding, sewer backups, broken pipes and leaky plumbing fixtures, poor maintenance and changing weather conditions. A construction or design defect can also be the cause of water damage: for example, a defect in the tightness of the construction, a poor design of the drainage networks, a counterspend of balconies or sidewalks. In most cases water damage affects equally common and private portions, thus it is one of the most complex loss to adjust.
A bathtub or a washing machine that overflows into the apartment below, a hot water tank that conks out and spills down six floors: losses involving the civil liability of a co-owner are many co-ownerships. And they are expensive! This is why the amount of insurance premiums and deductibles have increased significantly in recent years.
Worse still, some insurers no longer want to insure co-ownerships, because of a loss ratio that has become out of control. This situation is directly related to the insurer of the syndicate, which is almost always called upon to cover a loss, when damage has been caused to the common and private portions. Thus the question of who is responsible arises. It is also necessary to know the applicable law to the owner at fault. Other considerations affect both the insurer of the syndicate and those of the co-owners concerned, to determine who will pay what?