Insurance

The association is insured through Dina försäkringar, which includes a collective tenant-rights supplement for all apartments, so you do not need to obtain your own supplement. The supplement covers internal maintenance (for example, surface coating, kitchen and bathroom).

A separate home insurance is taken out privately by each tenant-rights owner and it is something that you are obliged to obtain. 

When a damage occurs: Since the association has taken out a joint insurance with a joint tenant-rights supplement for all members, the damage must be handled in consultation with the board and the association's insurance company. This must be done immediately when a damage occurs. 

The process generally looks like this:

1. Damage report and contact

Contact the board directly: Always notify your BRF board or property manager immediately when a damage occurs (if it is a water leak, you must minimize the risk of consequential damage). They have control over which insurance company the association uses.

Report to your own insurance company: Even if the association has a joint supplement, you should always report the damage to your own company (where you have your home insurance) to receive compensation for personal belongings, damaged furniture and any additional costs for accommodation.

2. Who pays the deductible? 

Damage that only affects your apartment: In the event of minor damage that only affects your own apartment (and which is covered by the tenant-owners' supplement), you yourself pay the deductible for the association's supplementary insurance. 

Damage that affects the property: If the damage is extensive and also affects the building itself (e.g. a major water leak from the trunk that goes into the frame), no deductible is usually charged on the tenant-owners' supplement.

3. Repair and restore

Investigation: The insurance company or a claims investigator will look at what caused the damage and how it should be repaired. The association's property insurance usually covers the structure, while the supplement covers the internal maintenance (for example, the surface layer, kitchen and bathroom).

Contractors: The association usually collaborates with contracted craftsmen to restore the surface layer and fixed furnishings.

Tip! Since the Tenancy Act and the association's bylaws determine exactly what you and the association are responsible for in the event of damage, you should always read the association's bylaws to ensure who is responsible for which part.