The\ncommunities can just insurance the public liabilities or can get a wider coverage.\n<\/p>\n\n\n\n
Our\nexperience shows us that it is extremely advantageous to have full coverage in\ncommunity policies. This does not mean that the lack of maintenance or the\nbuilding defects will be covered but it will cover many others damages that\ncould be very important for communities and private owners. <\/p>\n\n\n\n
Not many\ncompanies offer this kind of full cover, but, just an example, Mapfre is one of\nthem.<\/p>\n\n\n\n
With this\nfull cover policy, the communities will have the opportunity to insure not only\nthose elements that are common to all buildings, but to insure the construction\nin full including communal and private elements of the building against the risk of fire, water\ndamage, breakages, electrical damage, etc. \n<\/p>\n\n\n\n
In\naddition to the known covers, the Mapfre policy and some others include the\ndamages to your private apartment or house as a consequence of accidental\nsmoke; vandalism; full water damage ( including the localisation, repair and\ndamages caused); changing of locks both to private and community doors in the\ncase of robbery or loss of keys by owners; robbery within the community to\nowners, tenants or cohabitants; breakages to sanitary units, windows and\ninternal doors; inhabitability of properties due to a claim covered by the\npolicy, etc., and naturally public liability cover for the community. <\/p>\n\n\n\n
Besides\nthis, public liability cover between owners can also be added to the full cover\npolicy. This particular guarantee was used\non many occasions during winter where terrace outlets were not properly maintained by owners and which caused\nflooding to apartments below.<\/p>\n\n\n\n
In\npractical terms, it is very important in claims involving more than one property, as if the full cover\npolicy was not in place two or even more insurance companies would have to be\ncoordinated; the coordination of claims where second and absent owners are\ninvolved could become complex and difficult thus delaying the resolution of the\nclaim to the affected owner(s), the Mapfre full cover policy for communities\ndeals with all aspects of all the claims. <\/p>\n\n\n\n
Finally\nand of no less importance, should the properties have a mortgage, this full\ncover policy allows our offices to issue certificates tying the coefficient\nquota of each property of the total capital insured into the mortgage holders. \n\nWe understand the complexity of this policy and\nwill be pleased to explain in detail any of the policy covers, guarantees and\nadvantages personally. Please contact us\nand we will explain.\n\n\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"
The communities can just insurance the public liabilities or can get a wider coverage. Our experience shows us that it is extremely advantageous to have full coverage in community policies. […]<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"Layout":"","spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/posts\/67"}],"collection":[{"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/comments?post=67"}],"version-history":[{"count":1,"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/posts\/67\/revisions"}],"predecessor-version":[{"id":68,"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/posts\/67\/revisions\/68"}],"wp:attachment":[{"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/media?parent=67"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/categories?post=67"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/intercala.com\/blog-en\/wp-json\/wp\/v2\/tags?post=67"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}