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Sonni tranquilli con l’assicurazione anti incendio

Oltre che proteggere la propria abitazione con porte blindate, inferriate, sistemi di videosorveglianza e dispositivi di allarme c’e un modo ulteriore per assicurarsi la serenità che ci spetta e senza intervenire sull’abitazione: stipulare una polizza assicurativa antincendio.

Generalmente si tratta di polizze assicurative per la casa e la vita familiare che prevedono una copertura per rimborsare danni derivanti da furto e rapina dei beni all’interno dell’abitazione, spese per riparare danni e guasti arrecati il contratto a locali e infissi ed eventuali atti vandalici.

Il risarcimento avviene nei limiti della somma che effettivamente abbiamo deciso di assicurare, ma si deve prestare attenzione per regole relative a oggetti preziosi tra cui gioielli, orologi e somme di denaro (risarciti anche se il furto avviene nell’alloggio affittato per le vacanze).

In molti casi, inoltre, sono coperti anche i beni all’esterno del fabbricato assicurato sottratti tramite scippo o rapina (preziosi tranne somme in denaro).

Sarà il contratto scelto a specificare eventuali condizioni affinché infrazioni e danni vengano effettivamente risarciti.

Generalmente viene richiesto che tutte le aperture della proprietà siano protette da mezzi di chiusura adeguati e non vengono rimborsati furti in strutture disabitate per più di un certo numero di giorno (di solito, oltre i cinquanta).

Per dare avvio alla pratica di risarcimento il primo passo da compiere è quello di effettuare la denuncia alle preposte autorità per poi allegarne una copia
alla comunicazione sul sinistro da far pervenire all’assicurazione.

Altro rischio per cui può risultare utile un’assicurazione sulla casa e quello di incendio per cui è bene verificare la corretta manutenzione delle porte antincendio installate.

Possiamo dunque avere un’assicurazione per il fabbricato (costo di ricostruzione a nuovo, escluso il valore dell’area) e contenuto in base al costo di oggetti nuovi uguali o equivalenti ai precedenti.

La forma da prediligere e certamente quella a valore intero, pur facendo attenzione alle somme assicurate al momento del sinistro.

Classificazione rischio incendi

Assicurando la casa contro il rischio incendi, ci troviamo di fronte a 4 tipologie:

  • Classe 1 – fabbricati con strutture portanti verticali, solai, pareti esterne e tetto in materiali incombustibili.
  • Classe 2 – fabbricati con strutture portanti verticali, pareti esterne e manto del tetto in materiali incombustibili, solai o armatura del tetto comunque costruiti.
  • Classe 3 – fabbricato con strutture portanti verticali in materiali incombustibili, solai, pareti esterne e tetto comunque costruiti.
  • Classe 4 –  fabbricato comunque costruito.  Sono comunque ammesse tolleranze che e bene verificare per ciascun singolo caso.

Come disdire il contratto

La legge permette di disdire contratti di assicurazione di cui non siamo soddisfatti.

Per quelli di dei rami danni con durata pluriennale stipulati prima del 15.08.2009 le disdette possono essere fatte annualmente, alla scadenza, con un preavviso di 60 giorni tramite raccomandata a/r.

Per quelli stipulati dopo la data sopra indicata la disdetta è alla scadenza naturale o dopo i primi cinque anni secondo modalità e preavvisi come sopra.

I contratti con durata annuale possono essere disdetti di anno in anno sempre con preavviso di 60 giorni tramite raccomandata a/r.

Al contrario il contratto si rinnova tacitamente una o più volte per un anno (o al massimo per due).

Da non perdere

Normative antincendio: obbligo di manutenzione sulle porte REI

Porte REI, porte tagliafuoco, porte antincendio: nomi differenti per un unico scopo, che è rappresentato …

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