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Professional Advice

Foro seguro de hogar: regla de equidad

Thomas H.

Hi, I live in a Residential Villa and a few days ago unknown persons broke into my house after breaking the window of a room, and stole several objects.

The insurance company offered me a lower valuation of the stolen items for the rule of equity and they state that it is because the policy I contracted indicates that the house has bars on all the windows, and there are only in some of them.

Do they have the right not to compensate me for the full amount of the value?

Thank You

Moderator, Sergio Sanguino

Dear Thomas,

Indeed the Company may compensate you with a lower amount of the damages produced in relation to the valuation done by the assessor.

In your Insurance policy you reflected the House was protected with bars on the windows and the truth is that it was not at that moment, since there are windows without such bars.

what is called rule of equity, since the premium you pay for insurance is consistent with the security measures declared, and when the disaster occurs there were no such measures.

The Insurance Co. must apply what is called rule of equity, since the premium you pay for insurance is consistent with the security measures declared, and when the disaster occurs there were no such measures. They must tell you the correct premium you should pay and in the same proportion as this premium increases the compensation to be received will be reduced.

So you should ask them which calculation is used to find out if you are properly compensated for the stolen objects.

Kind regards.

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