AVANAS LEGAL

disability

Disability insurance is existential for insurance customers. These are often associated with enormous costs for insurers. Insurers therefore do everything possible to evade a contractual obligation to provide benefits. There are various reasons for rejecting the service. It is not uncommon for these to be bogus arguments. However, it also often happens that the insurer declares the withdrawal or the rescission of the insurance contract in the event of a claim. It can also happen that at least 50% BU is not reached. This would then have to be clarified medically. RA Avanas has already conducted numerous procedures on behalf of the insured.

household insurance

Here the insurer often unsuccessfully denies that a burglary actually took place and the possession of the stolen items. Here, the investigation files of the public prosecutor's office are often to be consulted and the police officers are to be questioned as witnesses. Here it is equally important to know that this insurance insures at replacement value and not at current value.

residential building

Homeowners insurance is just as important. Because if there is fire damage or flood damage to your home, this is a financial expense that cannot be easily managed. We remember the flood catastrophe in 2021. Here are usually insured risks from tap water, overvoltage, fire, heavy rain and flooding, broken glass, storm and hail, lightning, explosion and implosion. Damage to the house caused by sewage or supply lines is often not listed or excluded. This should be taken into account when concluding the contract.