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Storms can cause heavy rainfall, which damages buildings and infrastructure.
Our office is frequently contacted by readers who ask for an opinion on the responsible party for such damages.
It isn’t a simple question, as it depends primarily on what caused the flood.
The blockage of drains can cause flooding, as well as heavy rains of an unusual duration and intensity.
It is not uncommon for owners to neglect to maintain their property or to take into consideration construction work that occurs in the area.
It is not easy to determine if your policy will cover such an event.
It is not a good thing to do, as you may be refused by an insurer if there was a claim.
The insurance company said that in one instance, leaves had blocked roof drains. This caused the roof to flood, and water entered the apartment.
The owner of a roof cannot be on their roof each day checking the drains.
Insurance company claimed that the drains were poorly constructed (mind you this was an old building which had been in use for 20 years).
What can one do when this happens? Take legal action against local authorities, your neighbour for failing to clean out the drains or “God”, who didn’t consider the heavy rainfall.
Some governments seem to want to pay for (at least a part of) the damage. This was evident in the Larnaca Fire that destroyed many buildings, including those built without building permits.
The government compensated an artist for flooding her recording studio in the basement of the building (parking).
The insured cannot be excused for not considering such an event.
The insurance industry is often criticized for the tricks and scams they use to avoid paying or reduce the amount we pay.
The government was blamed for the recent Armou Village court judgment of compensation, even though it wasn’t directly connected. This is due to their failure to perform.
The insured should start to think about their one-sided insurance contract.
In this regard, I’d like to examine the position taken by the Insurance Commissioner, who appears to live in a different world.
I think the Commissioner should be more vigilant in her monitoring of the current practices, and potentially charge the companies for any losses (other factors being equal) that may have been caused to the public.
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