High-Value Homes
High-Value Homes — page 2.
What a Total-Loss Settlement Actually Covers, and the Order It's Worked Out In
Demolition, professional fees, VAT and alternative accommodation — the nine-step order a loss adjuster actually works through after a total loss.
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Setting the Rebuild Value: Getting to a Number That Holds Up
How to reach a defensible rebuild value for a property in Portugal or Spain: cost per m² by construction type, pools and annexes, finishes, demolition and fees.
Read articleWaiver of Average: What It Is, and What It Costs to Have
What a waiver of average does, which property wordings in Portugal and Spain offer a form of it, and the conditions for setting the proportional rule aside.
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When you disagree with the insurer's figure, not just the value you declared
The written challenge, the perito de parte arbitration clause, and where CIMPAS, the Livro de Reclamações and the ASF actually fit.
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Insuring to the bank's figure is not the same as insuring to rebuild cost
Why a lender's minimum insurance requirement and actual rebuild cost are different numbers, and why the gap tends to widen as the mortgage is paid down.
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Home insurance in Comporta and Melides: thatch, timber and what insurers ask first
Thatch, timber and glazing put this coast outside a standard multi-risk wording. What insurers decline, what they place with warranties, and why rebuild cost here ignores national averages.
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Home insurance in Quinta do Lago, Vale do Lobo and Vilamoura: what the sum insured leaves out
Pools, guest annexes, staff quarters, courts, landscaping and boundary walls sit outside most sums insured — on these properties that is a six-figure omission.
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Home insurance for villas and quintas in Sintra: Linhó, Beloura, Penha Longa and Colares
The serra brings a legal land-clearing obligation that can be raised at claim stage, a humidity problem the policy calls maintenance, and quintas where reinstatement is not rebuilding.
Read articleWhat you need to insure a property in Portugal: the document checklist
The five essentials, what the insurer asks that no certificate shows, and what to do when a licença de utilização is missing.
Read articleHome insurance in Loulé and Almancil: from the resorts to the serra
Quinta do Lago and Vale do Lobo at one end, converted farmhouses and wildfire exposure at the other.
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Where the condominium policy ends and yours begins
What the building policy covers, the fit-out gap, water damage between three parties, unoccupancy and letting, and the four layers of cover.
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Above a certain value, a standard home policy stops working
Named perils, the proportional rule, valuables sub-limits, gardens and pools, the unoccupancy clause, and what individual underwriting involves.
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