Kitchen fire before Christmas: Insurance intervenes after protest!

Kitchen fire before Christmas: Insurance intervenes after protest!

A burning advent wreath can quickly become a devastating misfortune in the run -up to Christmas, as a woman from the Lilienfeld district shows. She overlooked a lit candle, left her house and triggered a kitchen fire. The damage was enormous, but the insurance initially refused to cover the costs and referred to gross negligence. This can say that a policyholder has violated his duties of care to a particularly serious extent, which in many cases leads to damage claims shortened or even completely rejected, as experts from Versicherrechtsiegen.de explain.

Thanks to the support of the Chamber of Labor (AK), the woman was able to assert part of the damage. After another examination, the insurance company was ready to pay 20,000 euros. This is not only a high sum, but also an important Christmas miracle for those affected who had forgotten the candle due to health problems. Insurance has to prove gross negligence, which often means that you have to provide concrete evidence in order to justify your decisions, as the experts from VerGeGrechtsiegen.de illustrate.

Insurance coverage in question

The relevance of this situation becomes clear when you consider that gross negligence is often excluded from the cover in many older insurance contracts. This gap can become a financial burden in crisis situations when it comes to damage caused by improper handling, like non -deletion of a candle. The AK therefore advises you to check your own insurance contracts precisely in order to ensure comprehensive protection even in such cases. The possibility of lodging an objection and gaining supporting evidence can be crucial for policyholders.