商場舖滲水引致損失

一般意外保險不受天災意外賠償;


保險公司為珍惜大客户每年巨額續保費而以此藉口打發小租户.



但業主及物業管理公司需確保出租物業正常屋宇結構維修.
如閣下存有多年聯絡管理公司的業主物業出租維修通知信件或証明文件,
可另自找公証行証明因業主及管理公司因管理旗下物業不善導致雨水滲入造成租户店內一切損失,

則乃構成人為錯失因素 ~-^

交由小額錢債審裁署向業主及物業管理公司追索賠償.

我以為你可以尋求法律援助.因為一般樓宇的業主都應對出租他人的單位不會漏水負責.你一直投訴業主不理.這是事實.到打風再投訴.業主又以公証行的認定事實指因打風而漏水不須負責任.[但打風以前己經漏水.點可以唔理呢]?
起碼你可以向你區的議員律師尋求指導.

The answer is no.

However, the adjuster's recommendation will impact the compensation if awarded.

The success of the claim depends on the role of the Link as well as property management company.

The adjuster is correct that acts of God or force majeure can be used to escape responsibilities. However, if the condition is pre-existing, such as the Link and/or the management company failed to properly maintain the roof and result in your loss, then acts of God can't be applied and it will be negligence.

Bottom line - as soon as you can show the Link and/or the management company's negligence, the adjuster's reporter does not matter.

個重點係,意外,意料之外.如果已多次提醒,每當下雨便會入水,對方亦冇採取任何合理既補救方案,咁下大雨入水就係意內,意料之內.

你有購置意外險嗎? 有就可以辦理賠。

2013-09-27 16:14:29 補充：
有人已經定性係意外，即係冇人為意，應該有得賠。