Determination of Home Insurance Premiums
In determining the premiums paid, the type of the building, the construction year, the square meter, the number of floors in the building or the floor where the house is located, as well as the province and district where the house is located. People who live in the residence as a tenant can take out goods insurance insurance to protect their belongings. In the case of housing insurances, there is no indemnity reduction for policyholders who have not requested any compensation within the year covered by the contract. In this way, the policyholder will benefit from the opportunity to obtain affordable housing insurance in the new period. Providing complete and accurate information to the insurance company during the preparation of the policy is of great importance to avoid negative feedback in case of damage.
Damage Detection in Housing Insurance
The damage assessment should be done in order to cover the damages that occur after the construction of the housing insurance policy. Then, the insurance holder will have to inform the insurance company about the damage loss report and the approximate amount of the loss. It is important to note that the damage to this point, the recording of the damaged items or places through photographs or videos has an important role in determining the damage. After contacting the insurance company, the firm will direct a specialist to identify the damage on site. The expert sent by the firm determines the amount of compensation to cover the damage as a result of the observations. If an agreement is reached between the insurer and the expert, the insurance company will incur losses. At this stage, the documents of the insurance policy, including the title deed or lease contract, must be submitted to the insurance company.
Expert Opinion in Housing Insurance
In case the agreement cannot be reached during the determination of the insurance indemnity, the expert opinion shall be applied for the determination of the loss. As a result of the opinion submitted by the expert, the expert decision shall be taken as a basis if there is no big difference between the insurance company and the claims of the insured.