The house burned down and the terms of insurance payments. Insurance compensation: Paid or not paid. Incomplete package of documents

When drawing up an insurance contract, each of us hopes in our hearts that misfortune will pass by. But what if trouble does come and the insured house burns down? How to proceed? In this article we will tell you what to do and where to go to get an insurance payment.

Causes of the fire

House fire is one of the most common insurance claims. According to statistics, the risk of a fire in a private house or country house is 10 times higher than in a city apartment. The causes of fire may be the following:

• careless, inattentive handling of fire (including pranks of children)
• stove heating defects, sparks from the fireplace
• faulty wiring or electrical appliances
• gas leaks, boiler explosions
• arson (intentional and unintentional)
• forest fires, lightning strikes

No matter how cliché it may sound, if you follow fire safety rules, trouble will bypass your home. After all, preventing a fire is much easier than coping with the consequences of a fire.

Types of fire insurance

Some insurance companies provide the opportunity to insure a home only against fire. This is especially true when insuring wooden houses and summer cottages. Most of the houses in the holiday village are built of wood and are located very close to each other. In windy weather, fire spreads quickly and neighboring houses can also burn down. Therefore, it would not be superfluous to include civil liability insurance to neighbors in your insurance policy.

What to do in case of fire?

The procedure to follow in the event of a fire in an insured home is approximately the same as in any fire: do not panic, call the fire department and try to prevent further spread of the fire. And only then call the insurance company and report the occurrence of an insured event. The hotline operator will remind you what documents you must provide in order to receive compensation if your house burns down.

Actions after a fire and necessary documents

Within 3 to 5 days after the fire, you must write a statement to your insurance company for payment of insurance compensation. You must attach the following documents to your application:

• Certificate from the State Fire Supervision Authority (fire department) indicating the cause of the fire
• Copy of passport
• Copies of documents on ownership of the house and land (or garden book)
• A copy of the insurance policy

Then a representative of the insurance company visits the site to assess the extent of losses in the burned house. If necessary, a fire-technical examination can be appointed to rule out fraud and accurately determine the cause and nature of the incident.

Payment of insurance compensation

Based on the inspection by the appraiser, the insurance company determines the amount of insurance compensation necessary for the restoration of the burnt house, as well as the acquisition of property to replace the lost one, with similar characteristics.
Different insurers set their own deadlines for paying insurance compensation. Ideally, from the moment of submitting documents to receiving money on a bank card or account, it takes from 5 to 15 days.

conclusions

The practice of home insurance in our country goes back several decades. During this time, the process of filing insurance cases and receiving compensation was fine-tuned down to the smallest detail. Large insurance companies that have been operating in the market for a long time and have a good reputation do not refuse payment without compelling reasons.

Therefore, if the insured house burned down, it will not take much effort, time and nerves to receive compensation. A conscientious policyholder is only required to promptly report the incident to the insurance company and provide a complete set of documents.

For more information about the types of insurance and risks from which you can protect your home, see the page:

1. Am I required to pay insurance for the house?

1.1. It depends on what kind of insurance we are talking about?

2. Am I obligated to ruin my home insurance? For a mortgage.

2.1. Hello, Inna, if your mortgage agreement states that real estate insurance is mandatory, then you are obligated. Good luck to you!

3. The house was insured. I sold the house. Is it possible to get a refund for 6 months of insurance?

3.1. Yes you can. You need to contact the office of the insurer with a statement.
And you will be paid part of the amount.

4. How long does it take to pay out insurance for a burned down house?

4.1. Good afternoon If your house was insured, then you need to look at the terms of the contract, everything is stated there
For more detailed information, please contact our lawyers for paid consultations. All the best!

4.2. Hello, if you have entered into an insurance contract, then look at the terms of the contract; the terms of payment must be indicated there.

5. Does the Russian House of Insurance pay compensation for insurance for 1995?

5.1. Hello! No

5.2. No, they don't pay anything.

I have a DDU agreement since December 2017. The developer was supposed to deliver the house in December 2018. He sent me a letter about changing the delivery date. I decided not to sign it in order to collect a penalty in the future. Insurance until March 2019, insurance was not renewed accordingly. If the developer is declared bankrupt, can I claim a refund of the funds spent on the apartment due to insurance? If so, in what order will the payments be made (first/last)? Read answers (2)

6. Can I get insurance for a house if I haven’t managed to register it as a property?

6.1. Yes, if they were able to insure it, and the case is insured.

7. Is it possible not to pay insurance for an apartment in a wooden house taken on a mortgage?

7.1. Study the terms of the agreement; as a rule, banks unilaterally increase the interest rate on a loan due to lack of insurance

8. Some time ago, my mother faced health problems, and needed money for medicine, she took out a debt from a micro-finance organization in the amount of 44 thousand rubles (4 of them were supposedly health insurance), and for a year she needed was to pay 114 thousand rubles! They told her how much to pay each month after signing the papers, she couldn’t pay twice due to her health and she doesn’t work, they began to threaten her and demand money, or they would take away the house where our whole family was registered.

8.1. Hello! If the agreement is concluded without collateral of real estate, then no one will take away your house, which is your only home.

9. As a result of a fire on a neighbor’s property, our house was damaged, a plastic window cracked and the siding on the gable of our house melted. The house is insured. We will receive a conclusion from the firefighters in 8 days. We called the insurance company in advance, they told us that at the time of insurance, the gable of our house had not yet been sheathed with plastic (it was sheathed a week before the fire). Insurance ends in a month. Will we receive an insurance payment?

9.1. It depends on the terms of the insurance, but in general the cladding will not affect the payment in any way, because not only she but the house was damaged.

10. A drunk friend asked to take him home in his car, the insurance was open. I was also a little drunk. As a result, I didn’t take the turn, crashed into a “pedestrian crossing” sign, the traffic police filed a case in court to deprive me of my driver’s license. The car cannot be restored, he asks for money for the car. How can he recover the amount for the car through the court?

10.1. In judicial order Art. 10164, 15 Civil Code of the Russian Federation.

11. My daughter-in-law and her nieces (16 and 17 years old) live in my house. My brother is in MLS. Can I discharge my daughter-in-law, because... She refuses to pay insurance and taxes on the house?

11.1. The house is yours, and therefore it is only your responsibility as the owner to pay taxes and insurance. She has no such responsibility.
If we are talking about the fact that you want her to voluntarily participate in the expenses, then this is a different matter.
You can evict or deregister any non-owner, including children... (if your brother was not registered in the house), you can in any case.

12. I purchased a smartphone and accessories for it at a promotion at the MTS showroom. We signed up for it in installments, I asked again several times, they said that yes, it was an installment plan. At home, it turned out that this was a loan, and even with the imposed insurance Alfastrakhovanie. I picked up the phone on 07/21/19. How can you return at least the insurance and punish the sellers for deception? Thank you!

12.1. Hello.
You can terminate the insurance contract within 14 days. You will be paid the entire Sun insurance premium.
It will be difficult to prove that the seller deceived you.

12.2. If 14 days have not passed, go there and write an application for termination of the insurance contract, and regarding the loan agreement, write an application for its termination due to the fact that you were deceived and misled (if there are witnesses - very good). If they refuse to terminate, terminate through the court, and also write a complaint to the prosecutor’s office and RosPortebNadzor.

13. My son served in the army (conscript), broke his arm, and was in the hospital for 2 months. Now he’s home, he’s completed his service... Question: is he entitled to insurance for his hand?

13.1. Yes, this is an insurance case.
If the insured person receives a serious or minor injury (wounds, injuries, concussions) during military service, service, or military training, the following is issued:

Application from the insured person for payment of the insurance amount together with a copy of the identity document of the insured person;

Certificate from the military unit (institution, organization) about the circumstances of the occurrence of the insured event;

Certificate from the military medical commission about the severity of the injury (wound, injury, contusion) received by the insured person.

13.2. Hello, your son has the right to claim payment of insurance compensation; to prepare the necessary documents, he needs to contact the military commissariat at the place of military registration (order of the Ministry of Defense of the Russian Federation dated December 24, 2015 number 833).

If you find it difficult to formulate a question, call the toll-free multi-line phone 8 800 505-91-11 , a lawyer will help you

Insurance payments after a fire are always a significant help to victims, in fact the only chance to minimize damage and obtain a livelihood during this difficult period. However, even if you have a policy, it is not always possible to obtain these funds, because it is in the event of a fire that companies are most often denied.

It is still possible to receive compensation in case of a house fire from the insurer; the judicial practice prevailing in the country often ends up on the side of the victim, but not the insured. Our team will help you win the case: professionally, profitably and on time.

How and where to go if an insured event occurs after a fire?

There is a specific list of what to do if the insured house burns down:

• find a policy and identity documents;
• receive a copy of the report on the incident and its causes;
• assess damage and document;
• write from the insurer.

After this, you need to wait for the company’s response and the appointment of an examination on their part.

There are three possible scenarios:

1. least likely: the examination confirms the owner’s assessment, the insurer agrees with the payment.
2. most common: the amount of damage turns out to be significantly underestimated, the insurer agrees to pay only that, and the property owner can either agree or sue.
3. no less common: the insurer, after assessment, recognizes the case as not insurable and refuses payment completely. In this case, you should immediately go to court, attaching to the application all the documents for recovery of fire damage from the insurance company and the results of the examination.

USEFUL: watch the video of our YouTube channel about insurance compensation, if the insurance company does not pay, what actions will be most effective in restoring the right. Write your question in the comments and an insurance claim lawyer will answer you free of charge: professionally and on time.

When can insurance benefits be denied after a fire?

Most often, unscrupulous insurers refer to the fact that the fire occurred due to the fault of another neighboring property owner. This clause can indeed be separately stated in the contract, but it can and should be challenged, since the law does not provide for such exceptions.

Another common reason for refusal is the owner's fault. A faulty stove or gas water heater, old wiring - all these are not reasons for refusing payment. If the insurance company replied that it was not an insured event in case of a house fire and indicated this exact reason, you should remind it that, according to the law, this is not the deliberate destruction of property, and therefore there are simply no reasons for refusal. The procedure for receiving insurance payment in case of fire will be determined by the court after a thorough trial. However, the owner should be prepared for substantial legal costs, since it is extremely difficult to prove anything in the event of a fire.

Other compensation for damage in case of fire

It should be noted that Russian legislation provides for a number of other compensations for victims of fire, these include in particular:

• If the residential premises are not insured, the owner should pay attention to collecting the amount of damage from the culprit of this event. In this case, if a person intentionally caused harm by setting fire, it is possible to compensate for the damage by preparing a civil claim in a criminal case.
• compensation provided by the state, these payments take place in extreme cases and under a combination of certain conditions, namely the fire is caused by some kind of natural disaster, the residential premises are owned by the victim, the housing is the only one.

Dispute with an insurance company regarding insurance payment

It is necessary to consider in detail situations when the insurance organization refuses to recognize the incident as an insured event or does not properly assess the damage caused.

Data usually occurs in court. However, before drawing up a statement of claim and preparing for a legal fight with the insured, it is necessary to consider the issue of pre-trial procedure for resolving this dispute.

In this case, the claim settlement procedure should be considered, while victims often wonder whether it is correct and as effective as possible in order to increase their chances of receiving a full insurance payment. To resolve this issue, it is better to contact our experienced lawyers who have extensive experience in this area.

We should also not forget about state control over the activities of insurance companies and the possibility of filing a complaint against unlawful actions of an insurance organization.

The practice of resolving these complaints is varied, including not always in favor of the consumer, which is why this dispute can only be finally resolved in court.

However, if you still decide to contact a government agency, you should take into account that appeals, as a rule, are addressed to the prosecutor’s office, Rospotrebnadzor, which is also more popular. These bodies are authorized to audit the activities of the policyholder and oblige them to eliminate violations of the legislation of the Russian Federation.

Assistance from a lawyer in a dispute over payment after a fire

If you are interested in the information presented, also read: the article contains very useful material.

Contact our lawyer who will help with advice, drafting a procedural document, representation in the insurance and judicial authorities. Let's solve your problem together today.

Home insurance in Russia is voluntary: you insure it if you want, or not. And you can insure yourself against anything. In some places insurance against floods is popular, in others against landslides, here in the middle zone it is about fires.

The amount a property owner will spend on insurance depends on many factors - the size of the house, its foundation, the material from which the house is made, finishing. The area also matters - if there are peatlands nearby, then the risk of fire increases, and so on.

We asked you to tell us more about this Innocent Maskilayson, head of sales development at the Alliance insurance company.

— Why do people so rarely insure their homes?

— The main reason, in my opinion, is related to very low financial literacy in this matter.

Firstly, some people might have the idea that insurance companies do not always pay insurance compensation. And, unfortunately, such types of insurance as compulsory motor liability insurance, where one of the main problems today is the fight against insurance fraud, help strengthen this reputation. Namely, compulsory types of insurance are the main point of contact with the insurance company for most Russians. And when, based on mandatory types, people see that the insurance company does not want to pay, they develop distrust in insurance in general.

Secondly, people see that in a number of difficult situations they can get help from the state and are betting on this. This is especially true in regions where flooding is frequent, or where massive forest fires occur. However, we should not forget that the overall picture is much larger, and you cannot always count on government help.

— If we are talking about the Moscow region, about expensive, modern villages, then most likely people there have money for insurance, but what about residents of poor regions? What determines the cost of insurance?

— The cost depends on many factors. The first is the material from which the house is built: if the house is wooden, it has a greater chance of burning than a stone one. What kind of floors are there, are there any outbuildings around the house. And the most important thing is the cost of the house itself. This is the figure on which the cost of insurance depends. Insurance rates can be from 0.5% to 1% per year and they will cover the main risks: fire, flood, and so on. If a house costs 500,000 rubles, then its insurance can cost from 2,500 rubles per year.

On the other hand, the house may have expensive furniture or computers or other equipment. In this case, an inventory of the property is made, and the tariff, among other things, will depend on whether the inventory of property is included or not.

— Suppose a house in a distant village burned down. He was insured. What is the owner compensated for? Will he be able to renovate his house with this money?

— The cost of the house is assessed by an expert. The situation here is similar to car insurance - there is a price for which it can be sold. For example, a car of such and such year now costs a million on the market, and, accordingly, the insured amount is set within a million. Therefore, answering the question whether there are enough funds to restore or build a new house, I would rather answer no, because the maximum insured value that will be received in the event of a fire in this house will be equal to the cost of the old house.

You cannot build a new house with this money, because its cost can be many times higher than the cost of the current one. But the insurance payment will be equal to the cost of a similar house located in similar conditions. The house costs half a million, and on the next street the same house costs the same, which means this compensation should be enough to buy the same house in this region.

— What should you do to insure your home?

— If a person has decided to insure property, we will invite him to fill out an application that specifies all the technical details. The house always also has a plot of land, and within its boundaries there are additional buildings: a bathhouse, a barn, a garage, a utility block, and so on, insurers ask for photographs, they record everything, look at it and evaluate it.

If this is a small house and standard conditions, then a few photographs are enough, just to check - did the house really burn down at the time of insurance? Insurance companies are trying to protect themselves from fraudulent activities on the part of the policyholder. The insurer’s task is to accept the house for insurance before something happens, and not after something has already happened, and the person tries to compensate for his expenses with this insurance.

Nowadays, so-called declarations – franchises – are very common. What does it mean? This is when a person takes part of the risk payout on himself. If the contract says that the deductible is 100,000 rubles, this means that if the house is insured for a million, the insurance company will pay 900,000 rubles. The person understands that not all the money will be paid to him, and he also bears part of the responsibility.

The policyholder has a sense of ownership and the feeling that he is also paying for it out of his own pocket. Many are ready to sign such an agreement; they believe that in this situation the loss of 100,000 rubles is unpleasant, but not critical. And the loss of several million that the house costs is critical.

— When does insurance not pay?

— If the situation is absolutely transparent and understandable, and something happens in it that a person is really insured against - that is, a fire, some kind of damage, then the insurer has no reason to refuse to pay him.

Money is not paid only if the insurance company sees some kind of fraud, or if the case is associated with risks that are not specified in the contract. It happens that people remain dissatisfied with the amount of payments, but this mainly concerns the assessment of damage to interior decoration.

The law provides for financial assistance; this is regulated by a number of legal acts:
Housing and Civil Codes;
69-FZ on fire safety;
a number of regional legislative norms, operating primarily in areas of high fire risk.

However compensation in case of fire from the state is possible only in exceptional cases, and the victims must understand this.

The Housing Code provides for two forms of financial assistance.

1. Providing social housing for temporary use. If the property that was destroyed in the fire belonged to the victim, then he does not have the right to a replacement home, although he can register in order to receive a social apartment on a first-come, first-served basis or to qualify for improved living conditions in the future.

2. Monetary compensation for damage (usually calculated depending on the degree of damage). The law determines the maximum amount of such assistance at 120 thousand rubles.

Only two categories of victims can apply for payment from government bodies or municipal services:

- people who lost literally everything in the fire - documents, funds, property, housing - that is, they objectively need help from the state;

- families and individual citizens who became victims of mistakes by government authorities - representatives of municipal services involved in maintaining electrical networks, fire brigades who failed to stop a spontaneous fire (as a result of which a house burned down in a village adjacent to the forest).

The housing reserve fund has a category of objects that are offered for temporary residence to such victims. But you can only get the opportunity to move into such apartments if you meet a number of conditions. As a rule, it is provided to people whose houses are completely burned out and cannot be restored.

In other cases, material compensation in monetary terms for the restoration of property can be calculated. You can apply for it if you meet a number of conditions:

- the event was not organized intentionally;

— the fire inspection service report clearly states the cause of the fire: a natural phenomenon, an unintentional mistake by government services. Any other reasons cancel the right to state compensation;

— the victim is the owner of the damaged property;

- the victim and his family members no longer own a single piece of real estate (the burned house was the only home).

Arson as a cause of fire or suspicion of it– this is a guaranteed denial of compensation in case of fire. The absence of this factor must be documented: submit a certificate stating that law enforcement agencies have not initiated a case on suspicion of arson of a house or apartment.

/ What to do if the house burns down

What to do if the house burns down

If my house burned down, what should I do and where should I go?

What to do if the house burns down? This question was asked by everyone who had to endure such a difficult test. According to the Ministry of Emergency Situations, in 2016, 34,483 families were left homeless, and each of them had to face very serious problems.

The house burned down, what to do next?

If you are unlucky enough to be among the fire victims, then the first thing you need to do is contact the local department of the Ministry of Emergency Situations. There, you will receive a certificate confirming that your home really burned down. Based on this, the next step is to contact the administration of your district, where you will be given housing for temporary residence. Submit an application to create a commission that will inspect the house. Based on the results of this study, you will be given a conclusion, which will indicate whether the housing is subject to restoration or demolition. Exactly the same answer to the question “what to do if a house in the village burns down?” the procedure is exactly the same.

What to do if your house burns down without insurance?

Depending on whether your house can be restored or not, you will be given compensation or new housing. To determine the exact amount of damage caused, you will need a home appraisal after the fire. This is a study, as a result of which the cost is established:

Restoration works,

Rental of special equipment for delivery;

Building materials for restoration;

Home appliances and furniture.

Having collected all the documents and received a report on the assessment work, contact the administration, where you will be paid compensation in the amount indicated in the specialist’s conclusion. But this will only happen if the fire occurred due to the fault of municipal organizations, and in order to identify those responsible, you will need to conduct an independent examination of the house fire.

The insured house burned down, what should I do?

If you managed to insure your home on time, then we can only congratulate you, because in this case, you will most likely be paid compensation for lost or fire-damaged property. However, this does not always happen; insurance organizations often significantly underestimate the amount of payments, since this is simply not profitable. In such a situation, you will need an assessment of the damage after a house fire, by submitting a report on the assessment, the insurance company will be obliged to pay the amount indicated in the conclusion. Otherwise, you can go the other way and try to get justice through the court.

The insured house burned down, what should you do if payment is denied?

Our expert organization is often contacted by defrauded clients of insurance companies who have been denied compensation, citing various excuses, saying that this is not an insured event, or even accusing clients of fraud. In this case, an examination is necessary after a house fire. An examination is a study that is aimed at establishing the causes of a fire, as well as restoring the chronology of fire development in space and time. This way, you will be able to not only determine the cause of the fire, but also identify those responsible. Having the conclusion in hand, you can safely contact your insurance company and demand the money that is due to you by law. The examination report will serve as documentary support for your claims, and, as a last resort, you can go to court.

The house burned down due to the fault of the neighbors, what should I do next?

And in such a situation, you can obtain compensation for your losses, but to do this, you need an examination after a house fire. Without this research, you will not be able to prove that you are right, and you will have to restore your home yourself.

An example from the practice of a specialist from the Autonomous Non-Profit Organization “Higher Chamber of Forensic Experts”. In 2010, a resident of the city of Pskov had a private house burn down, asking himself what to do and what to do in such a situation? The victim turned to a lawyer with the question: “what to do if a house burns down without insurance.” Having described in detail how to act in such a situation and which organizations to contact, the lawyer added that to conduct an examination, it is better to contact our organization. The victim did so. After a conversation with a specialist, an independent examination of the fire in a private house was appointed. After inspecting the premises, experts confirmed that the cause of the fire was a violation of the rules for operating electrical appliances and a violation of safety precautions when working with a welding machine. Having received a specialist’s conclusion, the victim went to court, where his claim was fully satisfied.

We are often asked the question: “the roof of the house burned down, what should I do?”, and even in this case, an examination is necessary, especially if you want to further try to achieve justice through the court, and receive your compensation, or punish the perpetrators. Just ask yourself “the house burned down, what should I do?” - it makes no sense if you want to receive payments for destroyed property and achieve justice.