תוכן עניינים
By: Adv. Michael Lev
Water and Dampness Damage in Apartment Insurance: A Practical Guide
Water and dampness damage is one of the most common causes of disputes between apartment owners and their insurance companies. In case T.A. 20953-04-21 (Herzliya), the court examined a situation where an expert estimated the damage at 650,111 NIS, while the insurer initially paid only 113,383 NIS — a gap of over half a million shekels.
What Does Apartment Insurance Cover?
A standard apartment insurance policy typically covers: sudden water pipe bursts, infiltration from adjacent apartments, rain infiltration through the roof or walls, and damage to contents caused by water. However, insurers frequently attempt to invoke exclusion clauses for “gradual damage” or “pre-existing conditions” to deny or reduce claims.
The Role of the Expert Opinion
In water damage claims, the expert opinion is the cornerstone of the case. An experienced building engineer or appraiser who documents the source of the damage, its scope, and the cost of repairs creates the evidentiary foundation for the entire claim. At Lev-Taieb, we work with leading experts to ensure that damage is fully and accurately documented.
When Insurance Companies Dispute Claims
Insurers typically dispute claims by: appointing their own experts, claiming the damage was gradual and therefore excluded, arguing that the insured failed to take preventive measures, or claiming the policy’s coverage limit has been reached. An experienced attorney can counter each of these arguments with appropriate evidence.
How to Act After Water Damage
Document the damage immediately — photographs, videos, and written descriptions. Report the damage to the insurer without delay. Do not carry out repairs before the insurer’s expert has inspected the scene. Keep all invoices for emergency measures. Consult an attorney before signing any document from the insurer.
Suffered water damage to your apartment? Contact Lev-Taieb today: 072-2428822.
The above content does not constitute legal advice. For legal guidance tailored to your situation, contact our office.
