The contracting of an insurance of the community of owners is one of the main responsibilities of the person or organization in charge of the management of community affairs. Not only for the need to have all damages or breakdowns that may happen both in homes and common areas completely covered, but also because if this premise is not met, the rest of the neighbours may be responsible for the cost of repairs.
Community insurance has many similarities with home insurance, so to have a suitable coverage, the following factors should be considered. First of all and in a non-negotiable way, the basic and essential coverages must be taken care of:
Fire, explosion or lightning. Although, fortunately, it is a rare case, it is probably the most serious event that can affect a community of oweners.
Water damage. Conversely with respect to the previous case, it is one of the most frequent cases that the community of owners must undertake. Either for damages or faults in the pipe system or for damages caused directly by the rain.
Civil liability. Just as a company can generate damages to third parties in the performance of their activity, something similar can happen in a community of owners. Therefore it becomes necessary to cover these type of expenses.
These three factors are those that we believe should be unmovable in good community insurance. In addition, to complete another type of adversity that may affect the community of owners, it is possible to expand the coverage with the following:
Rain filtrations. It has proven convenient to contract a policy that determines both the liters/m2 of rain and the km/hour of wind from which we will have protection against the damage caused to our property.
Unclogging. Although the coverage of damages caused by clogging usual is included as in the policies, more recently the unclogging service is also included.
Pest control and disinfection. The most common and appropriate is to agree on an annual number of interventions both in terms of maintenance as well as problem solving.
Vandalism. To a greater or lesser extent, the community infrastructure is exposed to the external action of individuals. Graffiti on the walls, scratches or damage to community elements such as mailboxes or plants, etc.