網民求救:鄰居爆水管成屋地板浸到發黑 點樣claim保險?

文: U Magazine
2022.04.07

大家有無試過鄰居爆水管,連自己屋企都搞到一鑊泡呢?!有網民就喺連登討論區求救:同層鄰居屋內爆水管,浸到屋企木地板浸晒水,範圍大仲開始發黑!樓主問如果成個地板換,通常claim唔claim得足?除咗搵裝修師傅報價,仲洗唔洗搵啲政府部門或公正行再睇?而如果因裝修期而需要搬走,額外住屋及傢俬搬運及存倉費有無得claim ,定要自己負責?大家有乜嘢意見呢?

對於呢個情形,網民立刻問樓主:「隔離屋同你有無買家居保?」,「直接敲門問佢有無家居保啦!有嘅話叫佢即刻報保險同俾保險公司聯絡你,無嘅話叫佢準備籌定十幾萬!」,樓主回應:「我唔清楚隔離屋,但自己就冇!」,網友就回:「香港係呢方面好落後,家居保險宣傳又少,佢唔賠你都未必出得佢漲!」

樓主鄰居爆水管,搞到自己屋企水浸,究竟係搵裝修師傅先?定要搵公正行先?

遇上屋企水浸呢類事件,原來有買家居保險會較有保障。

有關Claim保險,網民仲分享經驗:「如果係交樓原裝地板,可以報火險,當然都會計折舊,搵相熟師父幫你。」、「一定claim唔足!保險會話只賠浸黑咗嘅面積,仲要計折舊率,保險無好人!」仲有網民好詳細咁綜合講咗claim保險步驟:

「自己有買家居保
你有買家居保,就claim自己個份,自己家居保險會追隔離屋

自己冇買家居保險
1.通知管理處有單咁嘅嘢,理論上管理處會代通知隔離屋
2.記低所有損失,時序,通知隔離屋要你要裝修翻damage to claim 佢mobilisation cost(可以未有銀碼)
3a.若果隔離屋合作,就list返所有loss同cost俾佢,簡單啲就將所有報價同酒店訂單俾佢,同佢negotiate銀碼
3b.若果隔離屋不合作,就需要聘請測量師,就依個事件造成嘅損失進行估算,再去小額錢債法庭告佢
3c.若果隔離屋有買家居保險,做翻procedure 3a,保險公司會委派公正行過嚟睇,其間咩都唔好搞
4.若果對賠償金額有唔滿意,建議行procedure 3b

可索賠損失一般包括:direct damage、potential damage due to water leakage、repair cost、 mobilisation cost due to repair、expert ,一般,保險公司會賠得少過你實際支出,所以睇你自己點睇,唔滿意就small claim,最後,成個過程文件係好重要,時序,相片,記錄,缺一不可,同埋建議你,係成單嘢係保險公司/專業人士到之前,就咩都唔好整住,因為啲人成日都會話,係你搞到,所以xxxxxx,同埋計唔到個damage,成個過程,你預快嘅1-3個月,慢嘅就1.5年」

若果自己無買家居保險,記得要將所有細節影相或者用文字記低,以便向對方索償。

據網民經驗,一般保險公司嘅賠償會少過實際維修嘅費用,而且整個索償過程可能需時經年。

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