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About nsoliel

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  • Location Hadern, Munich
  • Nationality UK
  1. Investing in American stocks

        Sorry for my random question.    I am also thinking of investing small amount every month into the US index fund. (about 150 euros every month).   Could you recommend any good website or app?   Kind regards, -J 
  2. Laminat Flooring damage

      Hello Starnberg,   Just a quick questions... is it usually quite difficult to get the damage covered by the insurance? I do have a liability insurance and my parkett has been severely damaged due to the broken sofaswheels. T.T....But I am not sure if it does cover or not. So now I am not sure whether I need to hire someone...and sort it out on my own.  I have been looking for more information on the liability insurance and found your comment. Sorry to bother you. Just can't sleep for this matter...T.T....    
  3. Parkett floor damage / Insurance cover

        Thank you so much for your link and info.    Sigh... T.T... 
  4. Parkett floor damage / Insurance cover

    It is severe... sigh.  We will hand over our key on 30 NOV.     
  5. Hello...   Because of this issue, now I can't even sleep well. We had an old sofa and didn't know that the sofa wheels got abit broken until we moved out. The metal bits attached to the sofawheels seem to have damaged the floor.    We do have the Privathaftpflicht-Versicherung. And it seems to cover the damage to the rented house (see attached photo). But in the insurance detail info file, we found this part:   5.1 Nachteilige Auswirkungen auf unsere Leistungspflicht Wenn Du eine Obliegenheit verletzt, kann dies dazu führen, dass wir nicht oder nur teilweise leistungspflichtig sind. Im Einzelnen gilt:  Wenn Du die Obliegenheit vorsätzlich verletzt, sind wir nicht leistungspflichtig.  Wenn Du die Obliegenheit grob fahrlässig verletzt, sind wir berechtigt, die Versicherungsleistung zu kürzen. Die Kürzung richtet sich nach der Schwere des Verschuldens. Sie kann gegebenenfalls zum vollständigen Anspruchsverlust führen. Wenn Du nachweist, dass keine grobe Fahrlässigkeit vorliegt, kürzen wir die Leistung nicht. Auch im Falle von Vorsatz oder grober Fahrlässigkeit bleiben wir insoweit zur Leistung verpflichtet, als Du uns nachweist, dass die Verletzung der Obliegenheit  weder für den Eintritt oder die Feststellung des Versicherungsfalls  noch für die Feststellung oder den Umfang unserer Leistungspflicht ursächlich war. Dies gilt nicht, wenn Du die Obliegenheit arglistig verletzt hast.     (1) Does this mean that our floor damage may not be covered by our insurance...? as we didn't somehow cover the sofawheels (Or anyways, we didn't manage well...?) As it is written in German and not sure how easy/difficult to get a help from the insurance company in Germany, now I am really not sure whether it is a good idea to inform the damage to the landlord + insurance.   Or, although we have the liability insurance,... (2) Would it be better to find a repair guy? (we've already tried but the guy couldn't fix it...maybe I contacted a wrong people. sigh...)   Sigh... T.T....has anyone damaged the floor and got it covered by liability insurance? I am so worried. T.T.. Any comments would be appreciated...Thanks...