There has been a fire at home: Can I request compensation from my owner?

If the fire of her accommodation turns out to be of electrical origin, can Virginie turn against her owner? Not so simple, replies Jean-Luc Brulard, real estate agent, in the major real estate meeting (capital/ Radio Immo).

Capital video: tenant of a furnished, I suffered a fairly serious fire there. According to firefighters, the electrical installation is involved. Will I be able to obtain compensation from my owner?

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Tenant in Pau, Virginie has undergone a fire serious enough to make the uninhabitable accommodation For several weeks. “The firefighters believing that the fairly dilapidated electrical installation could be the cause of the disaster, can I claim to compensation from my owner?», Asks Virginie, in the program Le Grand Rendez-vous de l’Emalmboards (Capital/Radio Immo). “In this case, there will be no direct relationship between the tenant and its ownereverything will be played between their insurers ”answers Jean-Luc Brulard, real estate agent.

When entering the premises, the tenant must have taken out multi -risk home insurance for housing, “It is a legal obligation”he recalls. Virginie must declare the claim within five days Depending on the fire, he adds, “Even if some insurers are tolerance”. That of Virginia will support the cost of damaged furniture and that of its temporary rehousing. If there is a need to turn against the owner, as a defective electrical installation, this is the responsibility of the Virginia insurer, who will request that of the owner. The lessor of a accommodation must also take out insurance, of non -occupying owners (PNO).

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Read the electrical diagnosis

But “If the fire is effectively of electrical origin, this raises the question of reading the electrical diagnosis handed by the owner to the tenant at the time of signing the lease ”underlines Jean-Luc Brulard. “Without being a specialist in the subject, the tenant must for example verify that there is a earth taking and a 30 mA differential circuit breaker. This, even in a tense zone, where the difficulty in finding accommodation can encourage rental candidates to accept a property whose electrical installation is not in conformity ”insists the real estate agent.

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