Following the catastrophe disaster: Insurance experts answer the questions • "Insurers are advised to order an appraiser in case of suspected damage" • "When a potential defendant has a potential expert's opinion - even if there is no insurance"

• Flooding in the Tel Aviv neighborhood of Hatikva // Photo: Coco

Storm Disasters: Damages of millions of shekels were caused yesterday on vehicles on Ayalon roads, Holon, the neighborhood of Hope and other places. The floods in the Hatikva neighborhood have taken on human lives. Dozens of buildings were flooded and some were evacuated. As a result, quite a few residents were left with heavy damage.

We asked the experts to answer some of the questions from the residents:

My home was hit by flooding that resulted from a drainage problem on the street. Will the municipality cover the damages?

"Where the negligence of a local authority or a government authority can be proved, the same authority must cover the damage caused. Of course, the obligation to prove negligence applies to the plaintiff. Anyone who has an apartment insurance is recommended to contact the insurance agent who will arrange the claim documents and submit them to the relevant body. Advocate services are recommended to file a lawsuit. "

My house was flooded with a problem in the roof and gutters. The insurance agent said the company might claim it happened to our negligence. Suppose we have not inspected the roof properly, is this a reason not to pay us for the damages?

"The insurance agent must send an appraiser to assess the damages. The job of the insurance agent is to stand alongside the insured, so it is important that he be present on the spot and accompany the appraiser to ensure proper representation to the insured."

My house was flooded and I'm afraid that the building, which was soaked in water, was also damaged. Do I recommend ordering a building engineer test?

"Apartment building insurance includes flood insurance. If you have structural insurance, it is advisable to ask the insurance agent to send an appraiser for damage assessment. If there is another potential defendant, such as a contractor, or a local authority that is suspected of harm, such as poor infrastructure, then you should consider ordering an engineer Private building. "

Will the insurance company also bear the cost of the building engineer's inspection in case of damage?

"If it is found that a certain body, such as the insurance company, is responsible for paying the damages, then the examination will be considered one of the indemnity clauses."

Does apartment building insurance necessarily include flood insurance?

"You can buy a cover for waterproofing and then the insurance is covered - in this case if the apartment was flooded as a result of rainwater penetration due to waterproofing problem then there would be cover.

In a scenario where the rain has come through and not a waterproofing problem, then that damage should also be covered. "