How to get insurance after a fire. Insurance payments after a fire

According to the law, fire victims are entitled to financial assistance. Money is allocated from the budget in exceptional cases:

fire victims injured due to the fault of employees of state-owned companies;
people who lost all their property and personal documents due to the burning of their house (apartment).

The legal framework has established other ways for fire victims to claim compensation. They are directly related to the following facts:

availability of an insurance contract;
the results of the investigation into the causes of the fire;
owner of residential premises.

Important!
Only tenants of apartments (houses) of the municipal fund can count on help from the authorities after a house fire. Budget funds are allocated to owners only in exceptional cases.

Methods for compensating losses from fire

When property is destroyed in a fire, people need outside help. You need to look for it in a certain order. The fact is that after a fire at home, you should obtain a report from the Ministry of Emergency Situations about the causes of the fire. Without this document it is impossible to move forward.

The algorithm of actions for victims is as follows:

calling firefighters and rescuing property;
waiting for the end of the investigation;
receiving a document describing the cause of the fire;
development of subsequent actions.

Compensation for fire victims is provided by such objects of legal relations.

Insurance company under the following conditions: the premises are privately owned by the injured citizen; an agreement has been concluded with policyholders; the cause of the disaster is included in the list of insured events.
The guilty person, if identified by the investigation.
The Russian government is also providing assistance to fire victims. Conditions are determined in each case separately. For example, after a fire, houses became completely unusable; the cause was a natural disaster, terrorist attack or other crime.
Local governments also have the right to allocate money to citizens in connection with a fire. The decision is made after studying the circumstances of the disaster and financial situation injured.

Important!
The amount of compensation cannot exceed 120,000 rubles.

Contacting the insurance company

This option is provided for owners of residential premises who have prudently insured their apartments (houses). They need to contact their policyholder. To do this, you will need to collect a package of documents. They are listed in the table below.

Document	Hints
Passport of the person who entered into the insurance contract or his heir (in case of death)	You must have an original and a copy. In the event of the death of a citizen, a passport of the heir and a death certificate of the owner of the house are provided.
Insurance contract	You must have the original and three copies.
Home ownership paper	A duplicate can be obtained from the registration authority if the original has been damaged.
Ministry of Emergency Situations Act	Provided at the request of the injured owner.
Conclusion of the State Supervision Authority on the causes of the fire	The reason must comply with the terms of the insurance policy.
Statement	It is recommended to fill out this form with your insurance company.

Important!
If the company refuses to pay financial assistance the insured person after a house fire, then you need to go to court. The same is done in the case when the insurer allocates an amount that does not comply with the terms of the agreement.

Collection of funds from the guilty party

This option for compensating for losses due to fire is suitable if arson is detected (). Moreover, in theory, there are two options. From specific situation The further actions of the fire victims depend.

At the trial, the degree of guilt of the arsonist is determined. The claimant must provide proof of the value of the lost (damaged) property. For this:

documents are collected (checks, payment slips, passports, etc.);
held expert review(at the expense of the applicant);
the amount of money spent on the expert’s work is included in the claim.

Monetary compensation established court decision, is recovered from the perpetrator forcibly.

State support for fire victims in 2018

Authorities provide assistance to people in connection with the fire in certain situations. Moreover, the determination of their complete list falls within the competence of local self-government bodies.

IN general case The following citizens can count on compensation for part of their losses (Article , Housing Code of the Russian Federation):

those who lost their housing due to a natural disaster or criminal activity of terrorists;
victims of criminal negligence of an employee of a state-owned company (gas workers or electricians, for example).

The state provides support to citizens in two ways: by providing equal housing or by paying financial assistance.

Conditions for allocation budget funds to victims of a fire are as follows:

The cause of the fire is not arson;
The family's only home burned down.

Who is entitled to an apartment from the authorities?

Only citizens who lived in the affected apartments under the terms of social hiring(). It is the responsibility of municipal authorities to take care of tenants. If the housing is damaged, it must be replaced with a new one. This social service is provided in several forms.

If the municipality has vacant apartments, they are distributed among the affected families.
If there are none, then until the authorities are able to fulfill their obligations, people destitute after their house was burned down are provided with temporary assistance: other living quarters or funds to rent an apartment.
If local authorities do not have a fund, then citizens are awarded financial compensation.

Important!
Other housing is allocated at the initiative of victims of disaster. You must write an application to the local administration. Documents from the Ministry of Emergency Situations are attached to it.

Registration of material payment

Applicant for financial assistance you need to contact local administration with a statement. The following documents are attached to the document:

Emergency Ministry report and conclusion on the cause of the fire;
document of ownership (if available);
expert opinion on the amount of damage;
a certificate from the Unified State Register of Real Estate (USRN) confirming that the tenant and members of his family do not own any other residential premises;
technical passport for the burnt apartment;
extract from the house register;
certificate of family composition;
certificate of income of its adult members;
bank account details.

Important!
Local authorities provide financial assistance only to owners who do not insure their property. Tenants can claim compensation for lost property (not an apartment).

Conclusion

So, the procedure for compensating for the consequences of a fire depends on four factors:

causes of fire;
degree of damage;
the financial situation of the victims;
from the one who owned the residential premises.

Depending on the situation, fire victims may be eligible for compensation for their losses from the person responsible for the disaster, an insurance company, or municipal authorities.

Fire - refers to unforeseen natural disasters, as a result of an unexpected fire, movable and Not movable property, and in some cases, the people who own it.

Fire is not only scary, but also very costly for family budget, especially if the destroyed home was the only one, and the person does not have the funds to repair it or buy a new one. In this case, there are several options for developing the situation:

Finding the culprit of the fire and obtaining compensation for damage from his wallet.
Contact insurance company, of course, if the home was insured.
Contacting local authorities with a request for assistance in the form of fire compensation.

In any case, the state is the last resort to which one could turn in the event of a fire, since officially compensation for damage government bodies are not obliged and do this only in exceptional cases. Thus, only certain categories of persons have the right to receive monetary compensation:

citizens who had a fire due to unlawful actions on the part of public services– for example, electricians from the housing office were repairing the wiring, and it caught fire, the firefighters did not have time to put out the forest fire in time and it spread to the house;
citizens who lost all their property as a result of a fire, including money and personal belongings, people who were left, as they say, on the street, without a means of subsistence and the possibility of purchasing new housing.

It is to these people that the state is obliged to provide new housing from the existing reserve, or to pay compensation for the purchase of new housing.

In order to receive compensation in case of a fire from the state, the injured citizen must be sure that the following conditions are met in his case:

The cause of the fire is a natural disaster and not intentional arson.
The burned house or apartment is the owner's only home.
The house is in shared or common ownership.

It should be taken into account that compensation for fire in the apartment may be greater than compensation for a house fire.

To receive compensation, you should immediately contact the fire service after a fire and request a report in which firefighters must indicate the probable causes of the fire, as well as the means of control they used to extinguish it.

Attention!

It should be understood that the state assumes obligations to compensate for damage from fire only in extreme cases, so you won’t have to count on excessively large amounts.

Payment of compensation by the insurance company

If the burned-out home was insured, its owner may well contact his insurer with a demand for cash payment for the insured event, for which the citizen must have the following package of documents on hand:

an application to Rosgosstrakh for payment after a fire, or to another company with which the insurance was issued;
original and several copies of the insurance policy;
passport, other identification documents of the person applying to the insurance company;
documents that can confirm a citizen’s ownership of the burned-out home;
an act drawn up after the fire, as well as the conclusion of a fire-technical examination carried out by the State Fire Supervision authorities. This conclusion must indicate the reasons that led to the fire;
other types of documents, the provision of which may be privately requested by the insurer.

If the insurance company underestimated payments after a fire or completely refused to pay, the owner has the right to conduct an independent examination and file a claim in court.

Compensation amount in 2018

Size compensation payment depends primarily on:

the amount for which the home was insured;
causes of fire;
the financial situation of the homeowner when it comes to receiving state compensation.

In the case of a claim for payment from the state, one should take into account the fact that amount of compensation in case of fire cannot be more than 120 thousand rubles, while the amount of the latter will significantly depend on the region, place of residence and location of the house or apartment. The lack of compensation in no way violates civil rights, since it is due exclusively to socially vulnerable categories of people. Compensation is calculated by the insurance company, or by the administration of the district in which the burned-out home is located.

According to the Federal Law of the Russian Federation, a citizen who has lost his home has the right to receive compensation from the state in the cases mentioned above.

You can apply for compensation no later than two years after the incident.

The first authority that all citizens faced with this problem will need to visit is the local - regional, or district administration.

Before going straight to the official’s offices, it is necessary to prepare some documents related to the fire, as well as conduct an independent examination of the fire.

The procedure for receiving compensation from the state may be as follows:

A citizen applies to the City or District Administration with an application (you can view and download it here: [Application for Compensation]), in which he should indicate all the details of the fire, as well as the reasons that prompted him to demand payment from the state.
The application is considered within the time limits established by law for each region individually, after which a decision is made on it.
To determine the size due payments a special commission is convened, which draws up a special act, the results of which will have a decisive influence on the value cash payments.

The procedure for receiving compensation from an insurance company is determined by the policy of that company, based on the principle of legality.

List of documents required to receive state compensation

Receive from the state financial assistance, including as compensation for moral damage caused by a fire, is possible only by providing the following types of documents:

passport;
a document certifying the ownership of the burned-out home;
a document confirming the presence of a fire;
resolution of investigative authorities;
papers indicating the absence of a criminal case on the fact of arson;
technical passport of housing;
extract from the house register;
a certificate confirming the absence of suitable housing for both the victim and other members of his family;
personal account number, if any.

When trying to get compensation from the state after a fire, it is important to remember that most of the responsibility for such accidents lies with the homeowner and only in exceptional cases with the state.

Conclusion

Payment of compensation can be handled by the state, the insurance company or the person directly responsible for the fire.
Payments through the insurance company are made if the case falls into the insurance category.
The state pays compensation only in case of an accident and if there was only one place to live.
The main document is report on the cause of the fire.
The amount of compensation from the state is limited to an amount of thousand rubles.

Application for compensation in case of fire

Fire compensation

According to statistics, every day in Russia there is about 500 fires and in them about 50 people die. There are even more people who lost their property during the fire.

Such a sad incident causes a family or citizen a lot of problems, which are associated with the lack of housing and all necessary household items, as well as the need to restore mandatory documentation.

Another problem under such circumstances may be receiving appropriate compensation. The legislation provides several options for compensation:

Moscow and region:
St. Petersburg and region:
Toll-free number in Russia:

from the state;
from an insurance company;
at the expense of the guilty party.

persons who had a fire due to unlawful actions by civil service employees, in particular, housing office electricians who were repairing the wiring;
citizens who lost all their property due to a fire, namely: money, things, a house, that is, they were left without a means of subsistence and the possibility of buying a new home.

Compensation from the insurance company

Fire compensation from an insurance company paid only if a number of conditions are met, namely:

An insurance certificate has been issued for the living space.
The fire is officially recognized as an insured event.

To process the payment, the injured citizen must contact the insurance company where he is served and submit an application for payment of compensation. The organization evaluates the incident to determine whether it is an insured event. To do this, experts examine the premises and draw up their conclusions.

If the case is recognized as insured, then the injured citizen receives compensation. The amount of payment is determined individually and depends on the terms of the existing agreement and the extent to which the housing was damaged.

To obtain insurance, a citizen is required to provide a mandatory package of documentation:

application for payment of compensation. You can view and download here: [ Sample application for payment of compensation];
insurance policy;
passport;
title papers;
fire report drawn up by the fire-technical service of state supervision in the field of fire extinguishing.

Compensation from the state

Payment from the state is the last opportunity for the affected citizen to obtain housing or funds. Officially, government agencies have no obligation to compensate for damage and do so only in extreme cases.

After a fire, you should contact the fire extinguishing service and obtain an opinion regarding the cause of the fire and the measures taken to extinguish it.

If this document confirms the existence of conditions under which compensation is due, then the citizen has the right to apply for compensation within two years. Payment amount.

Conditions for receiving Money is the presence of such moments:

The fire must be spontaneous and not intentional.
The building must be owned (common or shared) by the affected person.
The damaged premises must be the only living space of the citizen and his family.

In addition to the presence of conditions, the injured person must present such documents:

application for compensation;
passport;
title papers for housing;
fire service report on the cause of the fire and the extinguishing procedure;
the conclusion of the investigative authorities, the prosecutor's office or the court regarding the causes of the fire and the existence of those responsible;
resolution to refuse to initiate criminal proceedings;
registration certificate of the building and a certificate from the BTI confirming that the citizen does not have any other home;
extract from the house register;
certificate of registration of the dwelling in the cadastral register;
Bank details.

Example for receiving compensation in case of fire

Andrey insured his home in several directions at once, after some time there was a fire in his house - the electrical wiring caught fire. The man immediately contacted the insurers, however, they demanded that he provide a report from the fire service about the cause of the fire.

After the document was received and transferred to the insurance company, an assessment of the damage caused was carried out and, in Andrey’s opinion, the amount of payment was significantly underestimated.

The man turned to the management of the insurance company for clarification, however, they told him that the organization reimburses only part of the damage, and not the entire amount, and this is stipulated in the relevant federal law.

Andrey turned to a lawyer and found out that such an act does not exist. In order to receive the amount of funds due, the man filed a claim in court, and following the results of the meetings, a decision was made to pay the full amount of compensation. The judge also ordered compensation for moral damages, since the insurance company relied on a non-existent legislative act.

Conclusion

As a result, several conclusions can be drawn:

In case of fire the injured citizen has the right to receive compensation in several ways. The funds can be paid by government agencies, an insurance company, or the person at fault.
When reimbursing funds from insurers, it is necessary that the case be classified as insurable and an appropriate service agreement must be drawn up.
If compensation is paid by the state, then certain mandatory conditions must also be met.
For each method you must provide report on the cause of fire, compiled by the fire service.
Reimbursement amount when paid by the state cannot exceed 120 thousand rubles, and in other situations it is calculated individually.

The most popular questions and answers to them regarding filing compensation in case of fire

Question: Hello, my name is Larisa. A week ago there was a fire in my mother's apartment.

I, as a representative of the injured party, received a mandatory act and turned to the municipality for help, since the fire occurred due to the fault of a housing office employee.

However, an official refusal was issued regarding the payment of compensation, based on the fact that my mother now lives with me, and therefore she has a home and cannot count on compensation.

Tell me, does my mother have the right to compensation, is it possible to challenge this decision and how to do this?

Answer: Hello, Larisa. Fire victims have the right to compensation for damage caused. In your situation, this situation is further aggravated by the fact that the culprit is an employee municipal service.

Since the damaged housing was your mother’s only place of residence and property, she has every right to demand compensation from the municipality as a person who suffered through the fault of an employee of the municipal office.

Now you can apply to the court with statement of claim about compensation for damage and confirm your words with relevant acts. Once the decision is made, you will be able to receive funds to purchase a new home or restore an old one.

Samples of applications and forms

You will need the following sample documents:

Sample application for payment of compensation

The following articles will be useful to you:

Moscow and region:
St. Petersburg and region:

The procedure for assigning and paying compensation after a fire in a house

According to the law, fire victims are entitled to financial assistance. Money is allocated from the budget in exceptional cases:

fire victims injured due to the fault of employees of state-owned companies;
people who lost all their property and personal documents due to the burning of their house (apartment).

The legal framework has established other ways for fire victims to claim compensation. They are directly related to the following facts:

availability of an insurance contract;
the results of the investigation into the causes of the fire;
owner of residential premises.

Only tenants of apartments (houses) of the municipal fund can count on help from the authorities after a house fire. Budget funds are allocated to owners only in exceptional cases.

Methods for compensating losses from fire

The algorithm of actions for victims is as follows:

calling firefighters and rescuing property;
waiting for the end of the investigation;
receiving a document describing the cause of the fire;
development of subsequent actions.

Compensation for fire victims is provided by such objects of legal relations.

Insurance company under the following conditions: the premises are privately owned by the injured citizen; an agreement has been concluded with policyholders; the cause of the disaster is included in the list of insured events.
The guilty person, if identified by the investigation.
The Russian government is also providing assistance to fire victims. Conditions are determined in each case separately. For example, after a fire, houses became completely unusable; the cause was a natural disaster, terrorist attack or other crime.
Local governments also have the right to allocate money to citizens in connection with a fire. The decision is made after studying the circumstances of the disaster and the financial situation of the victims.

The amount of compensation cannot exceed 120,000 rubles.

Contacting the insurance company

Document	Hints
Passport of the person who entered into the insurance contract or his heir (in case of death)	You must have the original and a copy. In the event of the death of a citizen, the heir’s passport and the death certificate of the owner of the house are provided.
Insurance contract	You must have the original and three copies.
Home ownership paper	A duplicate can be obtained from the registration authority if the original has been damaged.
Ministry of Emergency Situations Act	Provided at the request of the injured owner.
Conclusion of the State Supervision Authority on the causes of the fire	The reason must comply with the terms of the insurance policy.
Statement	It is recommended to fill out this form with your insurance company.

Important!

If a company refuses to pay financial assistance to the insured person after a house fire, then you need to go to court. The same is done in the case when the insurer allocates an amount that does not comply with the terms of the agreement.

Collection of funds from the guilty party

This option for compensating for losses due to a fire is suitable if arson is established (Part 1 of Article 167 of the Criminal Code of the Russian Federation). Moreover, in theory, there are two options. The further actions of fire victims depend on the specific situation.

At the trial, the degree of guilt of the arsonist is determined. The claimant must provide proof of the value of the lost (damaged) property. For this:

documents are collected (checks, payment slips, passports, etc.);
an expert assessment is carried out (at the applicant’s expense);
the amount of money spent on the expert’s work is included in the claim.

Monetary compensation established by a court decision is forcibly recovered from the perpetrator.

State support for fire victims in 2018

In general, the following citizens can count on compensation for part of their losses (Articles 85, 89 of the Housing Code of the Russian Federation):

those who lost their housing due to a natural disaster or criminal activity of terrorists;
victims of criminal negligence of an employee of a state-owned company (gas workers or electricians, for example).

The state provides support to citizens in two ways: by providing equal housing or by paying financial assistance.

The conditions for allocating budget funds to fire victims are as follows:

The cause of the fire is not arson;
The family's only home burned down.

Who is entitled to an apartment from the authorities?

Only citizens who lived in the affected apartments on social rental terms can count on receiving new housing (Resolution of the Government of the Russian Federation dated January 28, 2006 No. 47). It is the responsibility of municipal authorities to take care of tenants. If the housing is damaged, it must be replaced with a new one. This social service is provided in several forms.

If the municipality has vacant apartments, they are distributed among the affected families.
If there are none, then until the authorities are able to fulfill their obligations, people destitute after their house was burned down are provided with temporary assistance: other living quarters or funds to rent an apartment.
If local authorities do not have a fund, then citizens are awarded financial compensation.

Other housing is allocated at the initiative of victims of disaster. You must write an application to the local administration. Documents from the Ministry of Emergency Situations are attached to it.

Registration of material payment

An applicant for financial assistance must contact the local administration with an application. The following documents are attached to the document:

Emergency Ministry report and conclusion on the cause of the fire;
document of ownership (if available);
expert opinion on the amount of damage;
a certificate from the Unified State Register of Real Estate (USRN) confirming that the tenant and members of his family do not own any other residential premises;
technical passport for the burnt apartment;
extract from the house register;
certificate of family composition;
certificate of income of its adult members;
bank account details.

Local authorities provide financial assistance only to owners who do not insure their property. Tenants can claim compensation for lost property (not an apartment).

Conclusion

So, the procedure for compensating for the consequences of a fire depends on four factors:

causes of fire;
degree of damage;
the financial situation of the victims;
from the one who owned the residential premises.

Depending on the situation, fire victims may be eligible for compensation for their losses from the person responsible for the disaster, an insurance company, or municipal authorities.

Types of assistance provided to fire victims by law

Unfortunately, no one is safe from fire.

You can lose real estate, movable property, material things and valuables, documents not only due to careless handling of fire, but also due to faulty electrical wiring, inattention of neighbors (a spark from their fire fell on your property), arson and for many other reasons. What assistance is provided to fire victims by law? What can victims expect and where to go? You can find out the answers to these and other questions by reading the article.

Compensation in case of fire: who can receive?

Sad statistics Russian Federation states that about 500 fires occur in the country every day. It’s even scary to imagine how many families or individual citizens lose their property in a fire, but the state does not leave its citizens alone in trouble.

Having put out a fire and having lost their living space, especially if it is their only one, people are left with a feeling of confusion and not understanding where to start to act.

The first need will be to restore documents lost in a fire. But the questions are what to do and where to get funds for restoration or construction new real estate, still remain in my head.

In this case, there are several options that will make the task a little easier:

in case of arson, find the culprit (or better yet, leave this to the investigative authorities) and, through legal proceedings, demand from him the amount for the damage caused;
if the property and the burned property were insured, then it is necessary to contact the insurance company with the necessary package of documents, where, according to the contract, payments will be made after certain checks;
contact the local administration with a request for assistance in the form of compensation in case of fire.

But before resorting to the third point of the above proposals, you need to know about who exactly the state can provide such support, because in mandatory this help does not exist.

Assistance to fire victims is provided by law:

if the fire occurred due to the fault of government services (for example, housing office electricians caused a fire or the fire service was unable to prevent the fire from moving from the forest to a residential area);
to victims left without means of subsistence, more specifically means the loss of housing, money, things, documents in total - in short, absolutely everything.

What assistance is available to fire victims?

When victims realize that they fall into the category of people who are entitled to financial assistance if their house burns down, they wonder what kind of support they are entitled to from the state. Before contacting the administration, you should carefully understand the topic of interest to fire victims yourself or contact a lawyer for a competent approach to the issue.

Financial assistance is divided into two types.

Cash payments. The payment amount provides for an amount of no more than 120 thousand rubles.
Providing housing. One of:

payment of subsidies for the purchase of new housing;
provision of temporary housing.

In addition to direct cash payments, the state can provide assistance in other forms: provision of free or partially paid timber for the construction of new housing, payments to one or all family members in case of urgent needs, or individual benefits. But the money allocated for the purchase of new housing must be spent strictly for its intended purpose, otherwise litigation will not be avoided.

Conditions for receiving money in the form of assistance:

the loss of the house was not due to arson;
if a house owned by the victims burned down;
Apart from the burnt house, the family should not have any other real estate.

Only if the conditions described above are met, victims have the right to financial support. But at the same time, the size of the family’s income, overall wealth and the degree of damage caused by the fire will also be taken into account.

It is also worth remembering that due to the loss of an apartment, compensation will be a larger amount than if a private house was lost due to fire.

To receive housing from the state, it is also necessary to follow the same rules as when receiving cash payments, all that remains is to add some more certificates requested by officials.

Based Housing Code, fire victims will receive temporary housing for as long as they need to rebuild their home.

But in this case, the commission takes into account the degree of damage to the burnt property.

Funds are paid from the budget of the city, district or region. All conditions are carefully checked by the authorities, so the administration must be extremely honest in order to receive help.

What documents are needed to receive assistance?

In case of a fire, you can get some help from the state; for this you need to collect and provide certain documents. Collecting papers will not require you to spend a lot of time and effort, but will provide grounds for providing assistance to fire victims.

Documents required to receive support after a fire:

application for compensation to fire victims;
passport;
housing ownership documents;
a report from the fire service, which indicates the cause of the fire and the process of extinguishing the fire;
conclusion of law enforcement agencies denying the presence of the arsonist;
a document confirming the refusal to initiate a criminal case;
technical passport of the damaged structure;
a certificate confirming that the victim has no other housing;
a certificate from the cadastral service stating that the dwelling has been registered;
extract from the house register;
Bank details.

This list of documents for the loss of a house due to a fire is basic, so the set of collected papers may differ slightly or be supplemented from the requirements of administrative authorities.

Procedure for receiving compensation

The Federal Law provides for many cases after which a person can seek help. The state also provides support to citizens left in difficult situations after the fire.

You can contact the administration with a request for help within two years after the incident. When going to an appointment with civil servants, it is necessary to prepare a set of documents so that the official has an idea of what he has to work with.

The procedure for obtaining support can be expressed in the following steps:

upon the first visit to the administration, the fire victim will be provided with a list according to which documents must be provided;
with the availability of certificates and official papers, write an application asking for help;
expect consideration of the application within the period established in a particular region;
in the case of a positively considered application, a commission is created to draw up a special report on the state of affairs of the victim;
the results of the commission audit directly affect the amount of payments.

The administration, having considered all aspects of the incident, has the right to refuse assistance to the fire victims. If a negative decision has been made, then the victims can only rely on their own strengths and capabilities.

It often happens that unscrupulous officials even refuse to accept documents, arguing for their actions that such support is not provided in the region.

After such a statement, the person who applied to the municipal authorities can safely go to the prosecutor's office.

It is also common practice that when asked to write a written refusal by the administration to accept documents, civil servants change their position in relation to the injured citizen.

Insurance case

Most of the country's population believes that insurance companies only profit from citizens insuring their lives and their property. But it’s good that some people still approach insurance responsibly.

If you have insurance for your living space after a fire, you need to contact the fire service for a report with the specified reason about the fire of the building. You should contact your insurance company with the required package of documents, go through a series of checks and collect papers to recognize the case as insured and receive monetary compensation. In this case, there will be no need to knock on the thresholds of government agencies.

If the insurer refuses to pay, you can file a claim in court, where they will consider the situation in detail and may make a decision. positive decision in favor of the victim. If the insurer has paid the amount, but the insured person believes that it is less than it should be, then the doors of the court are always open.

Having lost your living space, money and documents in a fire, you can gain the opportunity to receive government support. According to the law, assistance to fire victims is not provided to all who apply. But the state is trying not to ignore all the victims.

On this moment There are certain categories of people who receive support. The types of assistance are also not particularly expanded, but for people in difficult situations, it is significantly important to receive at least some kind of support after a tragedy.

from the state
from the insurance company

Compensation from the state

statement
passport
Bank details

report on fire and its causes

insurance policy number
address where the fire occurred
date and time of the fire

The investigator makes a decision:

Fire report.

According to statistics, in Russia in 2017 there were 132,406 fires with total damage of 14,133,642 thousand rubles. Most often, fires occur in residential buildings and premises. One of the main causes of fire, according to statistics from the Ministry of Emergency Situations, is careless handling of fire. Fire causes people a lot of problems, they are associated with the loss of housing, property, and documents. After such a tragedy, compensation will be a help.

How to compensate for damage after a fire

There are several options for compensation:

from the state
at the expense of the guilty person
from the insurance company

Compensation from the state

After a major fire, for example in apartment building, when several residential premises have burned down, the state allocates reserve housing to fire victims and monetary compensation. If the housing is subject to restoration, the apartments are repaired at the expense of budget funds.

If during the fire the damage was of medium scale, and the housing is considered suitable for habitation, you can only count on monetary compensation.

With all documents and questions about compensation, you must first contact the district administration.

Conditions for receiving funds after a fire:

The fire must be spontaneous and not intentional.
The building must be owned by the affected person.
The damaged premises must be the only living space of the citizen and his family.

To process the payment, the following documents are required:

statement
passport
documents confirming ownership of housing
fire service report on the cause of the fire and extinguishing procedure
conclusion of the investigative authorities on the causes of the fire
certificate from the BTI confirming the absence of other housing
certificate of registration of the dwelling in the cadastral register
Bank details

Compensation at the expense of the guilty person

Responsibility for indirect damage lies with the person from whose territory the fire spread. For example, if your apartment caught fire after a fire occurred at your neighbor’s house due to careless handling of fire, then he will be considered the guilty party and he will have an obligation to compensate you for the damage caused by the fire. In this case, the neighbor’s guilt must be proven by investigative authorities.

To receive compensation from the culprit of the fire, you must send the following documents to him:

report on fire and its causes
a copy of the certificate from the operating organization on the compliance of the premises with the necessary standards fire safety
pre-trial claim written (printed) in free form addressed to the culprit with a request for pre-trial compensation for damages
receipts for fire-related expenses
a copy of the assessment report, if one was carried out

Obtaining compensation from the guilty party is quite difficult, because he himself is in a difficult situation and it is unlikely that he has the means to compensate third parties.

Compensation from the insurance company

Compensation in case of fire from the insurance company is paid subject to:

The apartment is insured against fire.
The fire is recognized as an insured event.

To receive compensation for damage caused by a fire, the victim must contact his insurance company. The insurer assesses the amount of damage and also looks at whether the fire is an insured event. To do this, experts examine the premises and draw up their conclusions. If the case is considered insured, the victim receives compensation.

Causes of fire that relate to insurance risks

It is possible to receive compensation for damage caused by a fire under the following circumstances:

the insured property was damaged by fire, combustion products, or high temperature;
property was damaged while extinguishing the fire.

In terms of risk, fire is not an insurable risk:

damage resulting from heat treatment of the insured property;
damage caused to the insured equipment, devices, equipment connected to the electrical network as a result of a short circuit or overload in the electrical network.

In many companies, the last point is recognized as an insured event; the details must be clarified when concluding an insurance contract.

Procedure in the event of an insured event

In the event of a fire, immediately report the incident to the fire service 112 and the management company.
If possible, accept necessary measures to prevent the spread of fire.
Call your insurance company as soon as possible.
Not later than three days after becoming aware of the fire, notify the insurer in writing about the incident.

The written notice must contain the following information:

insurance policy number
address where the fire occurred
date and time of the fire
information about the nature, cause and circumstances of the damage
describe your actions during a fire
indicate the amount of expected damage

Provide an employee of the insurance company with access to inspect the premises.

Required documents to receive compensation

To receive compensation for damage caused by fire, the policyholder must provide a number of documents:

Insurance contract and receipt of its payment.
Application for payment insurance compensation.
Receipts confirming the fact of purchase, the value of the insured property on the day insured event(If there are any).
Documents confirming the ownership of housing (certificate of ownership, purchase and sale agreement, lease agreement, etc.).
List of damaged or lost property, indicating the cost.
Documents issued by competent authorities.

Who issues what documents after a fire?

To understand the algorithm of actions after a fire, where to get which certificates and documents, below we will look at the fire investigation scheme.

Firefighters arrive and put out the fire. The fire chief draws up a fire report.
A state fire inspector (and fire testing laboratory specialists) arrives.

2.1. The investigator inspects the fire site.

2.2. Seizes material evidence.

2.3. Conducts interviews with witnesses and victims.

2.4. Fire testing laboratory specialists photograph the fire site and conduct field research.

2.5. You sign the inspection report.

The investigator makes a decision:

3.1. To initiate criminal proceedings.

3.1.1. The case is transferred to the investigative authorities at the district department of internal affairs.

3.1.2. The case is transferred to the investigative authorities at the Prosecutor's Office.

3.1.3. The case is being investigated by the State Fire Marshal's Office itself.

3.2. Refuse to initiate criminal proceedings. The decision to refuse to initiate a criminal case is handed over to the fire victims along with the fire report.

After all actions, the injured party must have the following documents in hand:

Fire report.
Resolution to refuse to initiate criminal proceedings.
Own materials, documents:

3.1. Photos of the consequences of the fire (if available).

3.2. Receipts confirming the purchase of a particular property (if available).

How long to wait for documents from the fire service

As a rule, actions aimed at checking after a fire take 3 days, but it can be extended up to 10 days. In special cases, if there were deaths in the fire, it takes a month to check.

If the authorities refused to issue any documents requested by the insurance company, the policyholder sends the insurer a copy of the relevant request and a written response to it.

How much money can you get from insurance and how to calculate

The insured amount is established upon concluding the insurance contract. The amount of damage is determined after inspecting the premises and analyzing documents confirming the amount of damage caused by the fire. The amount of insurance compensation cannot exceed the amount of damage caused, and also cannot exceed the insurance amounts established by the contract.

Insurance compensation is paid:

in case of complete loss of property - in the amount replacement cost insured property as of the date of the insured event.
in case of property damage - in the amount of restoration costs, but not higher than the insured amount.

If, at the conclusion of the contract, the property was insured below its actual value, then the payment will be proportional. For example, if when insuring all your household appliances, in order to save on the cost of the policy, you valued them at 10,000 rubles, then when you compensate for damage, you will receive 10,000 rubles.

If you valued the finishing in a house at 50% lower than the actual cost, for example, not by 500,000 rubles, but only by 250,000 rubles, then in fact you will receive proportional compensation. In case of damage to the premises, where the real cost restoration work will be 50,000 rubles, the insurance payment will be 25,000 rubles.

To summarize, we can draw several conclusions:

After a fire, the injured party has the right to receive compensation from the state, the at-fault party or the insurance company.
To receive compensation, you must comply with a number of bureaucratic rules.
For each method of obtaining compensation, you must provide a report on the cause of the fire, which is drawn up by the fire service.

The most reliable and complete protection against the consequences of a fire will be insuring your home and civil liability.

For more information about the types of insurance and risks from which you can protect your home, see the page:

What are the conditions for receiving payment? First of all, the owner of the damaged property must record the fact of the occurrence of an insured event (with the help of relevant organizations), prepare a package of documents, and draw up a competent statement.

Something terrible happened...

When an event occurs that has signs of an insured event (to understand whether it has them or not, study the insurance conditions in advance), you must first report the incident to the competent authorities.

So, in the event of a fire, representatives of the State Fire Service should be called. Moreover, even if the fire is extinguished yourself - after all, to receive payment you will need a fire report indicating the cause and location of the fire. If the fire was caused by a gas explosion, you also need to call the employees of the organization responsible for the gas networks.

When filling with water, the procedure may be different. If the water comes to you from the adjacent section of the townhouse, call representatives of the operational services. If the flooding occurred as a result of flooding and other natural Disasters, you will need a certificate from the Hydrometeorological Service.

To receive payment for the risk of “illegal actions of third parties” (theft, robbery, etc.), you must call the law enforcement authorities. And after the policeman arrives, insist on initiating a criminal case under the relevant article.

Note

As soon as the fact of the occurrence of an insured event is recorded (or in parallel with the proceedings), it is necessary to report the “unpleasant event” to the insurance company - by calling the dispatcher or fax (some large companies receive signals 24 hours a day). This must be done within 24 hours of receiving news of the incident.

When an insured event occurs, it is important to preserve the damaged property until it is inspected by a representative of the insurer in the form in which it appeared as a result of the incident. But the home owner must take measures to reduce the damage. For example, put out the fire yourself if the fire is small, or urgently call the fire department if the “red rooster” has covered a large area. But you shouldn’t throw away burnt objects and wipe soot off the walls until the insurer takes photographs of everything as it is.

Payment or non-payment?

Insurance is provided only against specific insurance risks listed in the contract. No compensation will be paid if insurance event was the result of intentional actions of the policyholder or a member of his family. The amount of actual damage does not include losses associated with moral harm and lost profits. In addition to force majeure, the contract usually specifies a number of events that give the insurer the right to refuse to pay insurance compensation. For example, a fire or destruction of a cottage as a result of construction and installation (including finishing) work or penetration of water (rain, snow, hail) through open windows or doors, cracks in the roof structure, etc. You cannot count on compensation and if the insured event occurred as a result of rotting, aging, corrosion, or natural wear and tear of the structure. Concealment by the insured when concluding a contract of some defects in the structure (for example, laying communications in violation of basic rules and regulations) usually allows the insurance company to refuse payment.

The payment terms for major and minor damage are the same; on average, money can be received within three days after the decision on compensation is made and the corresponding registration is made insurance act. Another thing is that large losses require a longer procedure for preparing the relevant documents.

No documentary surprises

As for documents, in order to receive compensation you need to provide several of them. First of all, you need a written application for payment of insurance compensation. As a rule, it is compiled in free form. The statement must indicate the date of the incident (if known), the circumstances that led to the damage to the property, etc. Be sure to check with insurance agent how the application can be submitted to the insurer. So, if a disabled person or simply an elderly person insures the property, he should reserve the right to send the application by fax or with an authorized representative.

Next on the list are certificates received from the competent authorities, indicating the reasons, place, time and other circumstances of loss (death) or damage to the structure. In addition, you will need documents confirming the amount of loss. Finally, the documentation package includes papers certifying the interest of the insured (beneficiary) in preserving the structure. Typically this is a certificate of ownership.

Note

Many citizens are concerned: will the insurer refuse to work with them in the future if an insured event occurs during the term of the contract? According to experts, there should be no refusal. However, if the contract is extended, the tariff may increase.

How much is difficult to say. There is no common approach here, and the decision to raise insurance tariff(or maintaining the previous one) is accepted separately for each case. In this case, the insurer takes into account the following: measures taken by the policyholder to prevent the occurrence of a similar event in the future; amount of loss; number of insured events, etc.

Mortgages and “boxes”

Today more and more objects countryside real estate purchased with a mortgage. In this case, home insurance against possible damage is issued as part of a comprehensive mortgage insurance(this package includes life and health insurance for the borrower, as well as title insurance - ownership rights to the object). But who, in this case, will receive compensation if something happens to the house - the bank or the borrower?

Note

As a rule, there are two options for paying insurance compensation. In the absence of overdue debt loan agreement the amount of insurance compensation is transferred to the policyholder. If there is an overdue debt under the loan agreement, the compensation expected to be paid to the policyholder is transferred, in accordance with his instructions, to pay off this debt. If the cottage is completely destroyed, the insurance compensation will be used to pay off the debt on the bank loan, and the remainder (very small) will be transferred to the borrower.

IN Lately so-called “boxed” ones are very common on the market insurance products. This is, in essence, insuring an object for one of the fixed amounts without inspection. The client comes to the office of the insurance company or even to one of the policy sales points (in a shopping or office center, another institution), and he is offered policies at a fixed price with a predetermined insurance amount: 20, 40, 80 thousand dollars. etc. The buyer chooses an option that suits him, pays money and... does not always sleep peacefully. The fact is that when selling a policy, the object is not assessed. But in case of damage, the amount of compensation will be calculated very scrupulously. And here the main drawback of “boxed” products becomes obvious. If the amount of damage is below the “ceiling” specified in the policy, the money will be paid in in full- in accordance with agreement. And if the insurance is issued for 40 thousand dollars, and a house that has completely burned down costs two hundred, then the poor insured will only have enough compensation to restore the foundation and communications.

On the other hand, the opposite option is also possible. Let's say a client purchases a policy with a fixed sum insured of 100 thousand dollars. And then something terrible happens to the dacha - it is completely washed away by a mudflow. The insurer evaluates the destroyed object (by comparison with similar objects or using other methods), and it turns out that such a dacha costs a maximum of 80 thousand dollars. The policyholder will receive these same eighty, and not at all the hundred thousand for which he insured.

Note

Please note that the loss (destruction) of a structure is considered to be in its condition when the costs of restoration exceed the cost of the structure specified in the insurance contract ( insurance cost). In addition, the insurer does not reimburse expenses for improving the structure in relation to the condition in which it was before the occurrence of the insured event.

So, we have considered a whole range of cases in which the policyholder may be left without payment. However, one should not think that insurance itself weakly protects the interests of homeowners. Experts never tire of repeating: if the policyholder, when concluding the contract, provided reliable information and fulfilled all the obligations stipulated in the document, then he will not have any difficulties in receiving insurance compensation. Read the documents carefully and manage your property wisely! And then everything will be okay.

In conclusion, let me give one example from insurance practice.

On the morning of December 28, 2005, in a two-story wooden house A fire started. At this time, there was a man inside who smelled smoke and saw that there was a fire. He immediately turned off the power and called the fire brigade. The workers who were in the garden began to extinguish the fire, but the fire, despite the measures taken, quickly spread through the voids in the walls, to the second floor and further onto the roof structure. The fight against the fire by the arriving firefighters was complicated by the fact that due to negative temperature(-15 0C) and the north wind, it was difficult to organize the supply of water through the hoses from nearby reservoirs, and the fire truck went to the reservoir several times to collect water. The fire was contained by mid-day. The roof was severely burned, the internal wall cladding and insulation were burnt out and damaged. external cladding houses, and the structural elements of the wall frame were partially burned. The cause of the fire was the lack of cutting between the fireplace chimney pipe and the combustible structures country house. To assess the damage, Russkiy Mir Insurance Company hired an independent surveyor. Based on the report and the estimate, the company made an insurance payment in the amount of 2.324 million rubles.