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Responsabilitie Civile - What to claim and when?

Aug 2, 2015 @ 11:14

I'm busy preparing to move out of my flat and there are a few things that I'd class as minor damage, but I know full well that my regie will go all out on me, given 'our relationship' since I had to take them to court to get (part of) my rent reduction (base de loyer)..

The question is, can I use my RC to make the following claims, and shoud I make them NOW, or WAIT until the Regie notices the 'damage'??

I may need to claim the following:

- one room parquet flooring - my ex's high heels left looking like a golf ball surface

- same floor has three small scrapes on it - 10-15cm long

- one parquet floor has water damage - water entered the closed door during a storm - I reported it at the time (I don't have water damage insurance)

- fireplace has large water stain runnign down it from same storm - I reported both of these to Regie by email so have proof

- broken tile where a photo frame fell on it (there was no cement underneath that part of the tile so it snapped off

- several chipped tiles (I guess these are easier wear and tear items)

- three walls looking pretty horrible - I stuck posters to 2 of them, so I just repaint them?

And for people interested.. this link gives the life of everything within your flat for replacement purposes (in Vaud)..

http://www.cvi.ch/fileadmin/documents/Docs_a_telecharger/Tabelle_d_amortissement.pdf

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The question is, can I use my RC to make the following claims, and shoud I make them NOW, or WAIT until the Regie notices the 'damage'??

I may need to claim the following:

- one room parquet flooring - my ex's high heels left looking like a golf ball surface

- same floor has three small scrapes on it - 10-15cm long

- one parquet floor has water damage - water entered the closed door during a storm - I reported it at the time (I don't have water damage insurance)

- fireplace has large water stain runnign down it from same storm - I reported both of these to Regie by email so have proof

- broken tile where a photo frame fell on it (there was no cement underneath that part of the tile so it snapped off

- several chipped tiles (I guess these are easier wear and tear items)

- three walls looking pretty horrible - I stuck posters to 2 of them, so I just repaint them?

And for people interested.. this link gives the life of everything within your flat for replacement purposes (in Vaud)..

http://www.cvi.ch/fileadmin/documents/Docs_a_telecharger/Tabelle_d_amortissement.pdf

Chris TAug 2, 2015 @ 11:14

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Re: Responsabilitie Civile - What to claim and when?

Post 1

Aug 7, 2015 @ 12:13

So, a few infos you might need:

- Keep in mind you probably have a 200chf participation per claim, so if you can avoid the regie charging you, it's in your own interest. "Per claim" is usually for each room (I'm not so sure about that as I don't work in a claim department, might need to check, it's probably not the same for each company anyway), so maybe the first two things could be only one claim, would be cheaper for you.

- The damage due to water wouldn't be covered by your insurance if you don't have that cover.

- For the walls looking horrible, if it's because you made holes yourself like for the posters, that's not covered (RC covers damage you made unintentionaly). So repainting seems like a good idea.

- You should first check with the regie if/what they want to charge you. It's good you know about the "tabelle d'amortissement", so if your flat is a bit old, they can't ask you that much.

Good luck!

Rémy

The text you are quoting:

So, a few infos you might need:

- The damage due to water wouldn't be covered by your insurance if you don't have that cover.

- For the walls looking horrible, if it's because you made holes yourself like for the posters, that's not covered (RC covers damage you made unintentionaly). So repainting seems like a good idea.

- You should first check with the regie if/what they want to charge you. It's good you know about the "tabelle d'amortissement", so if your flat is a bit old, they can't ask you that much.

Good luck!

Rémy

RemyS, Aug 7, 2015 @ 12:13

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Re: Responsabilitie Civile - What to claim and when?

Post 2

Aug 7, 2015 @ 12:49

Thanks for taking the time to reply, Remy.

I'll double check the water damage with ASLOCA - given that it wasn't my fault (due to storms and arguably insufficient rubber seals around the door and also poor chimmney which was later repaired) hopefully I can argue against these... if not then I'll need to "paint" the parquet flooring with the furniture waxes I got from the UK to disguise the water marks! ;)

In terms of the other room damage, thanks - hope its only one RC claim together - assuming they accept hundreds of high heel marks were an accident

Should I actually wait and see what the Regie notices, or notify the Insurance company in advance?

Cheers,

Chris

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Thanks for taking the time to reply, Remy.

In terms of the other room damage, thanks - hope its only one RC claim together - assuming they accept hundreds of high heel marks were an accident

Should I actually wait and see what the Regie notices, or notify the Insurance company in advance?

Cheers,

Chris

Chris T, Aug 7, 2015 @ 12:49

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Re: Responsabilitie Civile - What to claim and when?

Post 3

Aug 12, 2015 @ 08:39

You can wait, it's not a claim as long as there isn't something to pay. I've seen some people who expected to be charged something and they were not.

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You can wait, it's not a claim as long as there isn't something to pay. I've seen some people who expected to be charged something and they were not.

RemyS, Aug 12, 2015 @ 08:39

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Re: Responsabilitie Civile - What to claim and when?

Post 4

Aug 12, 2015 @ 10:17

Great advice above, Remy - you clearly know your stuff.

And normal "wear and tear" is accepted having stayed here for 6.5 years, I assume?

Hope the information contained above is of use to future readers whom have the same issues. :)

As a side note, ASLOCA will be present for my "etat de lieu" with the Regie - I fully expect the regie to pick up every little thing, hence ASLOCA's representation will be greatly appreciated too..

Second side note- for any expats, I'd strongly recommend Assurance Juridique as well as ASLOCA membership - the best investments I've made whilst being here!

The text you are quoting:

Great advice above, Remy - you clearly know your stuff.

And normal "wear and tear" is accepted having stayed here for 6.5 years, I assume?

Hope the information contained above is of use to future readers whom have the same issues. :)

As a side note, ASLOCA will be present for my "etat de lieu" with the Regie - I fully expect the regie to pick up every little thing, hence ASLOCA's representation will be greatly appreciated too..

Second side note- for any expats, I'd strongly recommend Assurance Juridique as well as ASLOCA membership - the best investments I've made whilst being here!

Chris T, Aug 12, 2015 @ 10:17

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