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October 2015

Foro seguro de hogar: Robo de joyas

Elisabeth R.

Hello, I own a house insured with Aegon Co. and in Christmas my husband and I took a trip abroad for a week. On the way back we found that the door of the house was forced and the thieves had stolen many electronic objects, clothing and jewellery that I had kept in a box in the bedroom dresser.

The Insurance Co. compensates me the damage to the door and the value of the stolen objects except the jewels which I have insured up to $ 3,000, claiming that as I have been out of the house all week the theft of jewellery is not covered.

Do they have reasons to exclude the loss? Why do they compensate certain things and not others?

Thank you

Moderator, Sergio Sanguino

Good afternoon Elisabeth,

You should review the general terms signed with the CIA, because sometimes, it varies one from another.

The following point is usually included in the warranty of exclusions by theft:

Jewellery are excluded from the guarantee of stealing, if the theft was committed while the house remained uninhabited for more than eighty-four consecutive hours except when permanent housing Jewels are deposited in safes of over 100 kilos weight or recessed.

In this case the CIA should not compensate the theft of jewellery, since you admitted that you have been out of the house, meaning that it has been uninhabited completely, that is, no one has stayed at the property for that time.

The jewels were not in a safe neither, so only in case someone had been sleeping in the house during that period you will be able to claim for the compensation of jewels.

Kind regards.

Foro seguro de hogar: Responsabilidad Civil interna

Sheila W.

Hi, I have an apartment and the Home Insurance is contracted with AXA. The other day my son accidentally threw down the Tablet of our domestic household employee who lives in our house, with such bad luck that it got broken and beyond repair.

We opened a claim against our Insurance for Civil Liability and they indicated that I am not covered as the employee is not third party.

I am not satisfied, because I understand that the only people who have no consideration for Third party are my family, but not a domestic worker who has no family relationship with us.

Am I right? What can I do?

Thank you

Moderator, Sergio Sanguino

Dear Sheila,

We should look at what the policy states in its terms regarding what kind of people are considered as Third Parties, for the purposes of Insurance contracted and regardless of what the law establishes as Third Parties in the Civil Code.

In the policy you have contracted you indicated that “it is considered as a Third Party any person except the spouse of the insured, children, parents or others who live with him in the insured home”.

This means, that for the purposes of Civil Liability coverage contracted, if the housekeeper lives permanently in your home she is not considered as Third Party, so the loss is not covered by the Civil Liability cover.

I hope this helps, kind regards.

Pregunta al Administrador de Fincas: Puntos a tratar en la asamblea

Good afternoon. In the month of June, I sent one letter to the President and to the administrator of my community in which  I requested to include a point in the agenda. The answer from both was that it should be handled in General Meeting. As well, in the same month and a few days after I proposed, emerged the possibility of making a sports event on the community and both convened an extraordinary meeting with this single point. Have they the power to decide which items are included in extraordinary meetings or should they have also included mine?.

Jaime H.

Administrator:  Juan López

Any owner has the right to request that a particular matter is included in the agenda of a meeting, as established in article 16.2 of the LPH “any owner may request that the Board of owners consider and speak on any topic of interest to the community; for this purpose it will be written, specifying clearly the ítems to be included by the President, which will include them in the agenda of the next meeting to be held.”