Understand the Difference Between Damage Assessment and Expert Appraisal
When a claim arises claim condominium—for example, a burst pipe
—questions often arise regarding the technical terms
involved in the resolution process.
Fault Diagnosis
This is the process used to detect the source of a hidden problem,
such as water leaks. It may involve specialized technology, such as
thermal cameras, pressure tests, and even minor demolition work.
Note: This service may not be included in the policy.
It is important to check whether it is listed as additional coverage —
damage assessment.
Malfunctions
These are the actual damages themselves, such as a burst pipe,
a short circuit, or equipment failure.
Note: Coverage depends on the policy. Damage caused by
natural wear and tear or misuse is typically excluded.
Expert Assessment
This is an assessment conducted by an insurance adjuster, who verifies
the extent of the damage, confirms whether it is covered by the insurance, and determines
the amount of compensation.
Note: This is a crucial step in the process of
resolving the claim.
Fault Investigation or Expert Assessment?
It is important not to confuse the two: damage assessments are conducted by a technician
employed by the condominium association, while insurance claims are handled by an adjuster
employed by the insurance company.
