Liberty Quality Home - house and contents insurance
CONTRACT BASES
Article 19 - Obligations in case of claims
* The policyholder or the insured must, in addition, provide the insurer with all sorts of information about the circumstances and consequences of the accident. In case of breach of this obligation, the right to the indemnity shall only be lost in the event of gross negligence or wilful misconduct.
If there are various insurers, this notice must be provided to each of them, indicating the names of the others.
* The insured may not totally or partially abandon the insured objects, which are in his / her care and at his / her own risk, and he / she shall take care of any that are left after the accident, whether intact or deteriorated, as well as their related wreckage, packaging, boxes or cases, taking care not to cause any new disappearances or flaws whose cost, in this case, shall be borne by the insured.
Moreover, the policyholder or the insured undertakes to conserve the wreckage and remains of the accident until the valuation of the damage has concluded, except in case of justified material impossibility. This obligation shall not, under any circumstance, give rise to a special indemnity.
* The insured must provide the insurer access to the properties on which the accident occurred in order to take as many measures as reasonably necessary to lessen the consequences thereof.
* Breach of the salvage obligation set forth in this article shall entitle the insurer to reduce its benefits in accordance with the importance of the damages derived from said breach and the degree of responsibility by the policyholder or the insured. If this breach occurs with the manifest intention of harming or misleading the insurer, the latter shall be released from its obligation to provide all benefits derived from the accident.
* Any costs incurred due to compliance with this obligation, providing they are not inappropriate or disproportionate to the salvaged property, shall be borne by the insurer for up to the limit established in the policy, even when said expenses have not had effective or positive results.
* It is the insured's responsibility to prove the pre-existence of the items. Nevertheless, the contents stipulated in the policy shall constitute a presumption in favour of the insured when he / she cannot reasonably provide more adequate proof.
Article 20 - Appointment of loss adjusters