Maintenance and cover
Helvetia lists inadequate building maintenance and normal wear as possible exclusions. The cause and applicable terms are decisive. Source →
HydroSentinel · AquaRisk-Analyse®
Insurance and maintenance
Cover and contractual consequences depend on the cause, policy and individual case.
Insurance does not replace maintenance.
Regular checks
Zurich recommends professional installation, regular appliance maintenance and checks for watertightness of fittings. Source →
Possible contractual consequences
Mobiliar’s terms describe cancellation rights following a covered loss and contract adjustments. Premiums or deductibles do not automatically increase after every claim. Source →
Your policy, applicable terms and the individual claim are decisive. These sources do not establish insurer recognition, cooperation or a requirement to use AquaRisk-Analyse®. The report is not a coverage commitment. Insurance details in the case studies come from those affected and are not a general coverage rule.
Case studies
Two defects. Two water-damage incidents.
2 × CHF 12'000
A dishwasher supply hose that had been kinked for years burst. In the second incident, a leaking mixer cartridge and limescale blocked the swivel spout; forcing it further broke the connection pipes.
Learn more →Water came through the light fitting.
CHF 11'500
Six months after buying the house, water dripped from a ground-floor light fitting. A burst flexible hose inside the concealed toilet cistern was responsible, rather than the initially suspected shower connection.
Learn more →About 15 litres. A kitchen taken apart.
about 15 litres
The sink waste screw broke as the washing-up water was released. Around 15 litres ran beneath a solid-wood kitchen.
Learn more →Away on holiday. Water behind the façade.
CHF 80'000
A basin tap hose burst while the residents were on holiday. According to the account, the hoses had been fitted twisted and kinked.
Learn more →Anonymised accounts from Holger Holling’s practical experience. Amounts and events are based on his account; insurance information comes from those affected. These are not statistics or independently audited claim settlements. Separate damage photographs are not attributed to these cases.
The documentation stays with the building.
Like a service logbook: the initial assessment, findings, photographs, decisions, work and follow-up inspections are brought together for the property. An invoice records reported work; a new visual inspection is needed to describe the current visible condition.
Recorded condition
Date, scope, finding, classification and photographs.
Decision
Work commissioned, third party planned or no action at present.
Work record
A dated addition with a service or repair document.
Follow-up
New findings, outstanding items and the next recommended assessment.
Intervals depend on the property and findings. Follow-up assessments are separate commissions, not an automatic subscription. The history covers commissioned assessments and supplied documents, not continuous monitoring. Immutable storage or cryptographic protection is not promised.
Request an assessment
Tell us the property type, postcode/location and what you need. Holger Holling will agree the scope, total price and appointment with you. Enquiries are non-binding; a commission arises only after personal agreement.
Request an assessment