When choosing a home insurance a point where we look at is in the water seepage, leaks and general water damage, as they are quite common and some insurers today do not have these coverages that may cause significant costs for damage to other floors or on our property.
Water leaks can happen due to defects in construction or age of the building itself that cause defects and can not be attributed to the constructor. The leaks usually occur in the rain that acts on the facade or window and go to the indoor humidity and producing a multitude of flaws in the paint, parquet, furniture, etc.
In the case of water seepage are many questions to be asked, for example, when the trouble started, if there have been reforms, if the source is to weather, breakage of pipes or gutters jams. These questions can clarify if the leaks were caused by negligence or defective construction and above all tell us who has the responsibility to rectify the defect.
Another important point is to analyze whether in addition to our home insurance may have some more to act as insurance against the community or some other neighbor.
Here are the taxes associated with the purchase of the home and writing, a precursor to the granting of mortgage loans by the bank.