But no matter how hard they try, There is a residual risk remains, in particular, on a construction site always. Mishaps can quickly become very expensive. In the case of the existence of the client is even in the game – or at least the construction project. The insurers know that they have therefore developed special offers for builders. The most important insurance companies at a Glance:
third party insurance: the client shall be liable first is always the
Is injured a pedestrian from falling components, or a child falls into an uncovered Pit, not only to the victim serious consequences. Because from the first ground-breaking ceremony of the building owner for all damages arising from his construction site shall be liable. This applies also, if the roof tiles fall on a parked car or a pedestrian on a construction material on the sidewalk stumbles.
Specifically, this means: In such cases, first of all, always the Builder will not be held accountable, even if he bears the main blame for the accident. Claims for damages can quickly go in the hundreds of thousands, the entire mortgage lending is at risk. In these cases, the builders liability insurance kicks in.
warning : So the client is not in financial distress, it must be the amount of cover is high enough: “at Least three, better five million euros,” recommends a legal expert, Christoph von Klitzing of the Bausparkasse Schwäbisch Hall. The insurance is valid accordingly, from the start of construction up to acceptance and, as a rule, for two years.
Against rioters and thieves: construction insurance
anarchists a window, thieves dismantle smashed newly installed fittings: Such unpredictable damage covers a construction work insurance. “Damage due to force majeure, construction or material error, negligence, as well as unknown properties of the soil are included,” explains von Klitzing. (Display)
apartments, houses and commercial objects.
here you will Find the right property
warning : the fire damage is not covered by the construction insurance, this must be separately insured (see homeowners insurance).
In the case of ice and heavy rain: elemental damage-insurance
insurance helps The elemental damage, if heavy rain continues, the construction of which is under water or a landslide is triggered. It also engages at high water, hail, storm and damage caused by snow pressure and earthquakes. “Extreme weather have caused in the past few years nationwide, a lot of damage to real estate,” said Klitzing. “Builders should protect themselves against this increasing risk.”
warning : fire damage is damage with the Elemental-insurance not covered, these must be separately insured (see homeowners insurance).
residential building insurance and fire carcass insurance
damage caused by water or fire is likely to require a residential building insurance. Depending on the contract, these policies cover the cost of rehabilitation or reconstruction. “Here, builders do not insure only the building, but the content,” stresses von Klitzing. “You also need to be insured outbuildings and garages explicitly.” 20 steps to own a home of Our PDF guide explains how you can plan step by step your dream house, Fund, and build.To the PDF guide
Prior to the fire damage in the shell by fire, lightning or Explosion, the builders are frequently protected by the building insurance. You are covered by insurance, protects a fire carcass insurance.
friends: construction assistant-accident insurance
Who help out friends and family, should complete a construction assistant-accident insurance. The is the professional Association of the construction industry. “The Builder has to register the private helper within a week and the insurance pay contributions,” explains von Klitzing. The contributions are calculated from the working hours and a fictitious charge, which varies depending on the state. For 100 helpers hours of contribution to the construction assistant-accident insurance is currently around 145 to 160 Euro.
Have building Consultants and contractors liability insurance?
In Bauberatern and artisans should check the builders in advance whether a liability exists, the potential for damage to the covers. In the case of defects, the discover property owners later, are the contractor or the responsible craftsmen in the obligation to repair the defect, within the warranty period. This is usually five years, in the case of repairs and smaller renovations two years and begins upon acceptance of the service. “Who is noted in the construction defects, it should complain immediately in writing and document it. This makes it builders is easier for your claims to enforce,“ said Klitzing.
should be Sure to protect the financing
the builders not only build, but also the mortgage against unforeseen events. In order for the borrower payment, so you can secure your financing rate, for example, for the case of incapacity for work, unemployment, short-time work or divorce. With the FOCUS Online loans comparison (display) Now follow-on funding
calculate In the event of death protect a remaining debt or risk life insurance, surviving dependents against the loss of the home. “To be not too low, or double-hedged, should the builders before the construction advice as required,” says the expert. Many insurers offer the main insurance policies already in the package. A question of location: Why you may need to consider before you re-FOCUS Online/Wochit build A question of location: Why you exactly should consider, before you build new
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