Before putting several examples of claims related to this warranty cosmetic damage in home insurance, both the continent and content, we will discuss briefly what this coverage, also called "restoration or aesthetic restoration."
Definition of cosmetic damage in the home insurance
Through this guarantee of cosmetic damage or aesthetic restoration, the expenses necessary for the aesthetic restoration of the property damaged affected by an incident covered by the guarantees of the policy are covered, where it is not possible to repair the affected part with materials identical or similar aesthetic characteristics to disaster victims, impairing the initial harmony of the whole.
Said expenses include repair or replacement of all or part of the assets affected by the incident so as not affected, using materials identical or similar to the original features.
capitals
Typically cover from 1,200 € to 6,000 €, for larger amounts, you must obtain permission from the company. There are companies that limit a% of total content and a maximum.
modalities
It can cover both the continent and content, but it is usual that most companies only cover cosmetic damages in home insurance, to the mainland.
Although some policies only cover the continent, also they include kitchen furniture, though content.
Limitations and exclusions (the famous and dreaded "fine print")
Limitation stays: Limited to stay affected or the entire house. Most coverage limits only stay affected.
Typical exclusions: sanitary ware (some companies only by seniority, for example, if over 25 years), wardrobes, glass, etc ...
Exclusions in other coverages: as breakages, all risks or accidental event, etc ...
Definition of stay: the halls are not considered stays.
real examples that have occurred in our brokerage clients
1. Partial Water damages in kitchen furniture.
A burst pipe in the kitchen, causing partial damage to furniture, bufándose and blackening the wood by moisture. On the date, the claim is no longer manufactured in the market the same wood kitchen furniture. all furniture, both the affected part, as unaffected, having contracted cover cosmetic damages in home insurance content is changed.
2. Boquete support wall mounting TV in bedroom
Installing a wall bracket for a television in a bedroom, while drilling, a hole is created in the wall of considerable dimensions. Through accidental warranty, any risk to the continent covers the repair such damage. It turns out that when painting the affected, being of a different white wall, is not aesthetically well with the rest of adjoining walls since it has not achieved the same color. Through ensuring aesthetic damage to the mainland home insurance, we cover paint the other walls, to maintain the aesthetic harmony of the room.
3. partially damaged by fire in dining room door
a small fire that among other goods damages the dining room door occurs. For the guarantee of fire, replace the affected covers the door. It turns out that the doors are old and can not get an identical, so it is replaced by one of the similar characteristics. The problem is that the aesthetic harmony is broken, since the doors of other rooms, are identical to the damaged, but in this case cover cosmetic damages in home insurance to the mainland does not cover customer since it has limiting cover only stay affected.
4. Water damage to floors in bedroom
Burst water pipe located in a bedroom of the apartment. Through the guarantee of water damage is changed the park from the affected area, but the new flooring installed is not the same as that already existed, as this is very old, so it would not look good aesthetically. are requested to apply cosmetic damage coverage in home insurance to the mainland, so that the new flooring installed throughout the room. As the client has a home insurance that allows you to apply cosmetic damage to the entire house, without limiting the coverage to stay affected, it has covered up the contracted limit, which is enough to be 2,500 €, which will change the entire park of the house.
5. Partial Fire affecting a module sofa in the dining room
Because of a partial fire damaged a sofa. By covering fire, we indemnify the damage, but at the time of the incident, and is not manufactured / sold in the market, the same model of sofa, so we replenished another similar but that could break the aesthetic harmony, and that part of the damaged sofa have two more sofas, having a set of three sofas in total, the same model. In order to change all sofas, both affected and non-affected, we have contracted to cover cosmetic damages in home insurance content, we change the whole cover sofa set, up to the limit stipulated.
6. Break bidet
a bathroom bidet housing breaks and breakage warranty, the customer has covered have it replaced by a new bidet. But that model is no longer manufactured so they have to put one of the similar characteristics. Through the guarantee of cosmetic damage in the home insurance to the mainland, it is also covered replace him toilet (WC).
7. Water damage in kitchen
A burst pipe in the kitchen, causing partial damage to the floor of the same. Raise the affected soil and replace it with new soil is covered by the guarantee of water damage, but in the absence of the same soil type on the market, would have installed a similar ground to that we had. The result would be aesthetically pleasing. Here comes in ensuring aesthetic damage to the home insurance to the continent, where all the soil, both the affected and the unaffected would rise, and new floor would be installed to the limit stipulated to restore aesthetic harmony.
To know what they cover the most important companies in guaranteeing cosmetic damage in home insurance, see our full comparison of home insurance.
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