Winter obligations and insurance coverage: Tips from financial experts for homeowners and tenants in Siegen

Winter obligations and insurance coverage: Tips from financial experts for homeowners and tenants in Siegen

According to a report by www.siegener-zeitung.de,

With the first thick flakes and frosty nights, various obligations begin for homeowners and sometimes also for tenants. The head of the Siegen advice center of the North Rhine-Westphalia Consumer Center, Julian Sturm, warns of the risks that arise if the paths in front of and on your own property are not free of ice and snow. He gives tips about winter service and the necessary insurance coverage.

What does the duty to clear and scatter refer to?

According to the report, the duty to clear and grit usually includes paths and driveways on one's own property as well as the adjacent sidewalks. Homeowners cannot delegate this obligation to tenants and must fulfill it in any case. Anyone who ignores this duty and causes someone to fall and injure themselves can be held liable.

Which insurance company pays in the event of a serious fall?

In the event of a fall on cleared paths, statutory accident insurance can step in if the accident happened on the direct way to work or home. In addition, private accident insurance can provide financial security. In the event of permanent impairments as a result of the accident, occupational disability insurance applies, provided it has been taken out.

What is part of winter service other than shoveling snow?

In addition to clearing and gritting paths, other potential sources of danger, such as falling icicles or snow slabs, must also be eliminated. Those responsible must ensure that passers-by are not injured by such dangers.

Natural hazard insurance makes sense?

Natural hazard insurance can be useful to cover damage to roofs, winter gardens or garages caused by large amounts of snow. This insurance also covers the consequences of natural disasters such as floods, earthquakes or avalanches.

Which grits are environmentally friendly?

Environmentally friendly, salt-free grits such as sand, grit or granules are a good alternative to salt. These materials carry the “Blue Angel” environmental label and protect soil, water and plants.

It is important that homeowners and tenants know the legal requirements for winter service and take care of the necessary insurance coverage in order to minimize any liability risks.

Source: www.siegener-zeitung.de