What does insurance actually pay for?

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What does the evacuation in Brienz GR mean for the population? Are you eligible for financial aid? And do residents still have to pay their rent? Blick provides answers to the most important questions.

NO. Fabian Gloor, 37, a lawyer at the tenants’ association in German-speaking Switzerland, believes the lease is not due. “There is a legal deficiency in the tenancy law, as the flat is now uninhabitable,” says the expert. Result: There is no rent debt for the period when the flat cannot be used.

Christian Gartmann, member of Albula GR’s community management team and spokesperson for the media, says: “The community financially supports those affected with emergency financial assistance if they find themselves in a difficult financial situation as a result of evacuation.” He spoke for 200,000 francs. The canton of Graubünden also approved a loan of CHF 500,000. Several Graubünden municipalities have already pledged larger donations. Private individuals and companies can also donate – the community has created a donation account.

Those affected who need help finding accommodation can contact the helpline of the municipality of Albula GR, to which Brienz GR belongs. However, tenants must organize their own relocation. The municipality provides free storage for household items.

In this case, building insurance comes into play. It usually pays for the replacement if the building is demolished or damaged. In the event of a natural disaster, building insurance covers damage to the building and to systems permanently attached to the building, such as heating or solar panels. In most cantons, real estate is compulsorily insured by the cantonal building insurance. The exceptions are: Geneva, Uri, Schwyz, Ticino, Appenzell-Innerrhoden, Valais and Obwalden.

When it comes to damages caused by nature, insurance companies talk about “natural damage”. Specifically, these are: high water, flooding, storm, hail, avalanche, snow pressure, rockfall and rockfall, and landslide.

Home insurance. It covers damage to all movable objects in the house due to fire, water or natural disasters. In general, household goods insurance is optional in Switzerland. However, it is mandatory in a few exceptional cantons: Nidwalden, Vaud, Friborg and Jura.

The extent to which Brienz residents are insured against damage to the property depends on the individual policies of the population.

NO. The landlord is not responsible for natural disasters. Therefore, it is not responsible for any damage caused. Glor from the tenants’ association says: “If the mountain comes, the contract is over.”

Gloor recommends following the instructions of the authorities. First of all, the situation must be brought under control. You can then contact the host and together you can find a solution.

Source : Blick