Who is liable when the Christmas tree is burning? How to protect yourself!

Who is liable when the Christmas tree is burning? How to protect yourself!

The holidays are there, but this also includes risks that can end in a nightmare in the worst case - such as a burning Christmas tree! As Berlin live , candles or technical defects can quickly lead to a fire that not only affects the tree, but also puts curtains and other facilities in danger. But who comes up for the damage when the unthinkable occurs? Tenants, landlords and neighbors could quickly find themselves in a legal dispute. According to a lawyer, different insurance companies are affected: household items, building and liability insurance. It is important to know his policy thoroughly, because violations of the contractual conditions can lead to serious financial consequences.

great importance of gross negligence

like Insurance law Siegen , the concept of gross negligence plays a central role in insurance law and can have significant consequences for the insurance benefits. Gross negligence is determined when someone violates their duties of care to a particularly severe extent. This can lead to insurers reducing their physical performance or completely refusing. According to the legal foundations, especially in Section 81 of the Insurance Contract Act, insurance can use the quoting of its services instead of a flat rate in the event of gross negligence, such as forgetting a hot iron or an advent wreath. The detection burden for gross negligence always lies with the insurer, which protects the policyholder and ensures important rights in the event of damage.

summarized, it is crucial to pay attention to your own behavior in the contemplative time and to be clear about the insurance conditions in order not to be surprised badly in the event of damage. Especially in the Christmas season, all security precautions should be taken, because every moment of negligence can result in far -reaching financial consequences.