Sweeping: your obligations with respect to insurance

Factor warm and friendly atmosphere, the fireplace imposes a constraint to its owner or user. To avoid inconvenience or accidents, it must be regularly cleaned. It is the operation of sweeping legislation that strictly regulates. If you neglect the maintenance of your chimney, you expose yourself not only to potential incidents that can sometimes be very serious, but also sanctions in the form of a fine, not to mention the reduction or elimination of any compensation by your insurance if the damage is due to a lack of maintenance.
The frequency of brushing is decided locally by the mayor or prefect, the minimum required by the departmental health regulations laying down to 2 the number of annual chimney swept pipes in operation including one period of use. This applies to chimneys, as well as the ducts where the smoke evacuated heating gas, oil or coal. The operation must be performed by a professional chimney sweep, only qualified person who gives you a certificate of proof for your insurer. For information, sweeping chemical is not considered sufficiently effective for insurers, only the mechanical action gives proper maintenance ducts.
Sweeping is for a person who lives in the dwelling. If you own and you live your home, maintenance is your responsibility. If you rent, the sweeping part of rental charges, the owner still has the responsibility to determine, particularly between each tenant that the ducts are properly maintained. The owner may very well refuse the tenant the use of the fireplace in a clause in the lease. For duct dependent on a collective heating, the responsibility lies with the trustee.
Your comprehensive home insurance covers you for damage caused by smoke and fire. If it turns out that you failed your chimney swept under the law, the insurer may decide to reduce or eliminate the compensation claim. The insurer, however, must prove that the cause of the accident resulted from inadequate maintenance. The contract clauses generally specify that HRM is striking warranty damages if the insured has not fulfilled its duty sweeping. Since there is a legal obligation, failure can result in sweeping sanctions from the county health services in the form of a fine third class to a maximum of 450 €. Not to mention a serious accident causing casualties exposes your criminal or civil liability. As a guide, a chimney sweep for a duct alone costs between 39 € and 70 € (travel included) depending on where you live.

Insurance: The Case of the move

You move and get settled in another city, another region. Leave his home has had a series of administrative steps required to inform, among others, social services and tax, the Post Office, telephone services and the various energy providers (water, electricity and gas). As a tenant, you have obviously taken out home insurance that covers you for damage caused to homes and provides liability coverage for yourself and your family. By changing their place of residence, your home insurance can it be transferred to guarantee new home?
The insured must inform the insurer of any change in his life that would change the terms of coverage by different contracts. The insurer must be informed by registered letter with acknowledgment of change of address, moving date and new location. If the new housing has the same characteristics as the former, the insurer will transfer the warranties on new home. If housing is greater if you leave a house with garden for an apartment or conversely, if you invest simultaneously in equipment or furniture that enhance the comfort of the new housing, you must inform your insurer decides to an extension of guarantees and a change in premiums if applicable. It is therefore your responsibility to contact your insurer to enable it to adjust to new conditions and contract guarantee optimal coverage in case of disaster. If there is change in the risk covered and thus the premium because of the move, you can cancel your current contract without waiting for maturity.
Home insurance is not the only contract that a change of address can change. Contract your car is directly related to the region where you reside. A change of domicile must necessarily be reported to your insurer, because the premium is calculated based on assessed risks in the area. If you leave the countryside to live in town, your auto insurance premium will be amended to increase the probability of loss is higher in urban areas. The procedure is the same whether you own a motorbike.
Moving is also an opportunity to sort through your insurance. Since the change of domicile modifies the risk of the vehicle and housing, you may terminate your contract within 3 months later after your move. The cancellation will take effect one month after notification to the insurer (after signing the receipt), and you will be refunded the premium collected too. Do not forget to sign another contract with an insurer about your new home before entering the premises, not to find yourself without coverage between the termination date and the date of purchase. Similarly, regardless of your home, you can ride without being insured. You can also choose to compete your insurer will make an effort on premiums if you want to keep among its customers.

Home Insurance: think snow guarantee

The snow does not please everyone. The joys of Snowman, and snowshoeing and tobogganing are not appreciated when excess snow causes damage to your home. The housing insurance usually covers damage, snow guarantee is often included in the contract. Prudence dictates anyway to verify the extent of cover, especially if you live in an area where snowfall is frequent and abundant.
The snow guarantee is automatically included with the other safeguards that cover damage due to storms and hail. Some insurers guarantee TGN speak, storm, hail, snow. The damage will be borne wholly or partly under condition of being actually caused by snow within 48 hours of weather.
While being systematically included in the HRM, the snow guarantee applies only to buildings of good construction, that is to say those which are closed more than 50% and covered at least 90%. Damage covered by this warranty are those caused to the roof and gutters, electrical systems, furniture damaged by water infiltration due to melting. Insurance can also support the accommodation costs if the livability of your home is proving impossible. Expenses related to clearing of rubble can be compensated, and expenditure of expertise.
Exclusions are fairly numerous and involve fences, shutters, blinds and windows, solar panels, porches and sheds or garden sheds. Damage to the garden including various trees and plantations are not compensated.
If the home is damaged due to an avalanche, the worst of the snowfall is the guarantee natural disaster that comes in. The victim compensation is linked to the natural disaster declaration by the authorities of the State. Without an order, your insurer will indemnify you under the guarantee snow but very partial.

What are the mandatory and optional?

Contracts with a guaranteed fire damage must cover the security risks of natural disasters and storms.
Contract damages can exclude insurance coverage for damage resulting from terrorist attacks or acts of terrorism.
They generally make sure the damage caused by hail, heavy snow on roofs.

What is civil liability and family?

This guarantee covers part of your privacy, repair of injury and damage caused to others by:
- yourself, your spouse, your children, those entrusted to you,
- People at your service
- pets and those entrusted to you,
- The objects that you own or entrusted to you.

What should I do if I move?

Your home insurance may be transferred to your new apartment.
You must notify the insurer in advance of your change of address by registered letter with acknowledgment of receipt.
If you want to change insurance during a move, some insurers may you Refusers such termination.

Why insure your house?

The law requires you to take out home insurance if you rent or own a house or apartment. This contract protects you in case of damage or theft but also covers the liability of occupants. The price of your home insurance can vary depending on the type of housing, floor location of housing, use of property, size, value of furniture, number of persons occupying the Housing, Waterfront, etc..

How to reduce the price of my home insurance?

The comparator AssurProx you will find all our offers proximity to your home insurance rates. Compare prices to save money and find an offer tailored to your needs.
The major players in home insurance are: MACIF, MAIF, Matmut, AXA, Groupama, MMA, April

Is Home insurance obligatory?

The legislature does not require the purchase of home insurance for homeowners. It is nevertheless strongly advised to take a comprehensive household. Typically your bank requires you to have home insurance to obtain a loan when buying a property. Tenants are obliged them to take out housing insurance under the law of 6 July 1989.