Haftpflicht covers manually installed pipe extension?

8 posts in this topic

I tried to compress the title as much as possible. So here's a better (still short) version of the story:

 

I have installed a bidet in my bathroom, by installing the provided extra branch (extension?) on the pipe below the sink. A few weeks ago I received a call that all my apartment was under water. Apparently the hose was loose and had popped out.

Now there's moisture under the flooring, and recently mould in the walls, etc. So a company is coming for "drying", etc.

 

Question: does a Haftpflichtversicherung normally cover such a case? I guess mine is a good one, as I pay above 160 EUR per year.

And if you think it depends on how I narrate the story, do you have suggestions (based on the detailed story below)?

 

Thanks in advance!

 

---------------------- Detailed Story [read only if you feel like it] ------------------------

The bidet piping seems to be safe enough, as I had a similar one running for 3 years in another apartment with no problems. This one was also working OK for about 1 year.

A couple of weeks before the incident I noticed water leakage as drops below the sink. Assuming it was due to my manual installation, I tried to uninstall and re-install it with extra security (tapes, etc.). It didn't help and over the next days it was leaking on and off. One day I got fed up and left the hose half-installed (without fastening a nut). I shut down the water and called the Hausmeister saying we had a problem and needed a plumber. One day later when I wasn't home he went and checked the connection and told me there's no leakage and all is fine.

Now feeling assured, I kept using the half-installed connection for a few days and... the nightmare finally came true!

 

So, it has been my negligence. But also a manually installed extension is involved. So... What do you think?

 

 

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Haftpflichtversicherung protects the insured from the financial consequences of damages that they unintentionally inflict on third parties and for which they are responsible.  Perhaps you have other household insurance which might help with this?

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35 minutes ago, snowingagain said:

Haftpflichtversicherung protects the insured from the financial consequences of damages that they unintentionally inflict on third parties and for which they are responsible.  Perhaps you have other household insurance which might help with this?

 

Thanks for your reply.

Sorry for not having mentioned it in my post; It's a rented apartment. So, I have damaged the landlord's apartment?

 

 

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Ah. In that case liability insurance normally covers things unless they were done with intent.  But it is very important to document the damage and inform your insurance company before any remedial work is carried out.  They may have their own preferred specialists.  The landlord need to know too.

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You should check the policy but a quick google and the policy with CosmosDirect seems to cover this so this could be standard with most providers - https://www.cosmosdirekt.de/private-haftpflichtversicherung/haftpflichtversicherung-wohnung/

 

Quote

Wer in eine Mietwohnung zieht, sollte spätestens jetzt eine Haftpflichtversicherung abschließen. Der Vermieter darf den Mieter dazu zwar nicht mehr per Mietvertrag zwingen, doch der Abschluss steht ganz im eigenen Interesse des Mieters. Denn nur auf diese Weise schützt er sich gegen Forderungen auf Schadenersatz, wenn er unabsichtlich, leichtsinnig oder fahrlässig einen Schaden verursacht hat. Dabei müssen Mieter in der Regel keine Zusatzversicherung abschließen. Eine normale Privat-Haftpflichtversicherung umfasst auch die Mietwohnung: Abgesichert sind feste Einrichtungs­gegenstände wie Waschbecken, Badewanne oder Einbauschränke.

 

 

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I heard once that the floor of an apartment, when someone lives below, is technically part of the house and not part of your apartment. This might be splitting hairs (or floor boards if you like) but someone sued an upstairs neighbor after a bathroom renovation made the noise worse in the downstairs apartment... 

Hope your insurance covers the damage. 

But who installs a bidet in a rental apartment? Marie Antoilette?

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7 hours ago, mako1 said:

I heard once that the floor of an apartment, when someone lives below, is technically part of the house and not part of your apartment. This might be splitting hairs (or floor boards if you like) but someone sued an upstairs neighbor after a bathroom renovation made the noise worse in the downstairs apartment... 

Hope your insurance covers the damage. 

But who installs a bidet in a rental apartment? Marie Antoilette?

 

4 hours ago, RedMidge said:

Quick question- did you inform landlord/ get permission to install said bidet?

 

Thanks guys.

Yes the Gebäude- and Haftpflicht- are now starting to contact each other. The former is not mine, but is from the Hauswevaltung.

 

The bidet is something like this:

https://www.amazon.de/dp/B07GNMZ1SS/ref=cm_sw_r_cp_apa_i_v0cCDbSM1NT4G

So no construction was necessary really. Just an extension from below the sink. Does it still need a permission? (:worried:)

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