- Nov 13, 2015
Hello, I own a House insured with Mapfre. It is an apartment in a Residential Building governed by the Condominium Act.
Inside the Building there is an opened Community Garage, but you can only access trough the door of the garage that faces the street, and the parking spaces for each neighbour are drawn on the floor.
A few days ago unknown persons entered into the garage and stole two bicycles I had tied to the bars of the window of the façade with a string (after cutting the chain).
The insurer Co. tells me that they will not compensate because the bicycles were not at my home or annex to it, but I see that the policy includes storages or garages located in the same building of the apartment.
Do they have a reason to exclude the loss?
Moderator, Sergio Sanguino
In the General Terms of policies it is effectively defined the property insured, and usually the concept of the garage or storage it is included, but read carefully, because it also defines requirements to considered these dependencies included in the definition of the House.
Thus, in most policies of Mapfre it is indicated that they consider Garage to the individually closed and isolated enclosure devoted to park the vehicle, and it is considered Parking to the place located within the Community Facilities, but it should be always individually closed and isolated from the others within that local.
That is, your garage does not meet the requirements to be considered as a part of the Building of our house for not being closed or isolated individually.
I hope this helps.