INSURANCE AGAINST FIRE AND ALLIED PERILS

COVERAGE

Albsig covers in insurance real or personal estate insurance owned by the Insured or used and utilized by him according to a contract in compliance with the legal obligations regarding with the owner of the ownership or object.

INSURABLE OBJECTS

• real-estate
• personal estate, as a rule existing in the insured real-estate
• bank-notes, documents, metals and valuable objects etc, if they are stored in the safe deposit

BASIC PERILS

• fire
• lightning
• explosion

ALLIED PERILS

Earthquake

• damages caused by the earthquake
• dëmet e shkaktuara nga zjarri i cili pason tërmetin.

Storm

• damages caused by the storm
• damages caused by the fire following the earthquake

Hail

• damages or destruction of the property because of the hail.

Flood

• damages or destruction of the property during the flood, during or immediately after the flood of the water.

Landslide

• loss or damages because of the slide, causing dangerous static deformation or large chasm on buildings

Glasses breakage

• damages regarding glasses breaking of the building and the insured area around
• damages on the windows case and their devices
• damages on the goods placed on the windows as a result of the glasses breaking.

CLAIM DOCUMENT

original insurance policy

notification of the Insurer for the damage and the description of the event

indemnity request

copy of notification to the Policy Organs, Prosecutor, PMNZZH, seismic organs, meteorological station etc if needed

declaration of witnesses