Damage to the building has been reported. The processing is not yet complete, but you want to sell. There may be an expert report, an offer for works and a provisional response from the insurer. These documents describe different things. Our editorial method for Austria and Germany brings them together for the responsible advisors; it does not decide coverage or the allocation of an insurance claim.
Manage the claim with your own status
Record the event, affected areas and the confirmed processing status. Separate the original notification, technical findings, proposed measure and actual execution. An expected reimbursement is not yet a confirmed payment.
Assign each document with a date. If a report examined only certain areas, the boundary remains recognisable. Private speculations about causes will not subsequently be incorporated into the summary as the expert’s statement.
Describe the current state for sale
What is currently present at the property? Which works have been carried out, which are still planned and which are only being discussed for now? Photos and description should be aligned with this status. The article does not determine the legally required disclosure, but recommends providing the facts necessary for that to the contractual advisers in full.
An offer for a repair must not be presented in this preparation as an already completed restoration. Conversely, an old damage report should not appear as a record of the current condition without being labelled as such if the condition has changed.
A simulated sale during processing
A seller expects an insurance payment following a pipe incident. He wants to transfer the house beforehand and use the proceeds for his move. It is still unclear which benefit the insurer will confirm and whether certain works have already been commissioned.
He therefore does not simply present the purchase price plus the hoped-for reimbursement as available cash. Insurers and legal advisers receive the actual planned sales process as well as the claim documents. They should explain which declarations, payments and allocations must be observed in the specific case.
Give three questions separately for clarification
First: What technical matters still need to be examined or carried out? Second: Which stage of the insurance process is actually confirmed? Third: How should the planned transaction be structured with remaining works, payments or claims?
This article recommends neither an automatic assignment nor a private offsetting of future benefits. The competent specialist bodies must assess the actual contracts, conditions and interests. A generally courteous email from the insurer does not replace an examination of the intended sales model.
Communicate changes selectively
Determine who will forward new decisions, offers or proofs of execution to the parties involved. A subsequently submitted result may affect the previous planning. The processing does not organisationally end simply because the property is marked "sold" in another folder.
In conclusion, you need a comprehensible status on the property, the claim procedure and the planned benefits. This enables the contract design to address the specific case without one side regarding an unresolved reimbursement or merely proposed repair as an already secured attribute of the transaction.