My ceiling sustained water damage. How can I get compensation?
Normally, damage due to water seepage or leakage is excluded from a policy. However, different policies have different coverage. In any event, you should report this damage to your building manager. It may be covered by your Building Master Insurance Policy provided by the building manager and/or Mortgage Building Policy.
The people in the premises below mine complained that there was water seepage from my premises. What can I do?
You should report the complaint to your building manager. You should look into the actual cause of the damage and take any necessary remedial action immediately. You should not admit liability without our prior written consent. If your policy covers liability, you should report the case to us and submit a completed Claim Form as soon as possible. We will arrange loss adjusters to conduct investigation, if necessary.
If my window falls into the street, what should I do?
You should report this incident to your building manager and look into the actual cause of the damage. You should not admit liability to any party without our prior written consent. If your policy covers liability, you should report the incident to us by submitting a completed Claim Form as soon as possible We will arrange loss adjusters to conduct investigation, if necessary.
Does the Public Liability Policy contain policy excess? Who will pay the legal cost?
Normally we do not have policy excess under the Public Liability Policy. However, different policies have different terms and conditions. If the claim is covered under the policy, we will pay the claimant's cost and disbursement and our own defence costs and expenses. You should check the details of your policy to determine the actual coverage provided under your policy.
If the accident occurs after your working hours, what should I do?
Report the accident to the police (if necessary), and to the building manager. Obtain a copy of the incident report and take photographs, if possible. Report the accident to us immediately on the next business day.
What are the meanings of "Building", "Contents" and "Building Betterment" under the policy?
The term "Building" is generally defined as all immovable items which are attached or annexed to the building, including windows, wall paint, wallpaper, ceiling, flooring, doors and landlord's fixtures and fittings. "Contents" are generally defined as all movable property (not building items) such as electrical appliances and furniture. "Building Betterment" generally refers to the interior building improvement including remuneration and refurbishment of fixtures and floorings. It should be carried out and paid by the insured. You should first submit a claim to the building insurers. After the building policy is exhausted, we will then consider the claim under the Building Betterment extension.
Is there any time limit for reporting a household claim?
You should report the claim to us immediately.