Expat Community > Sweden

Podjamaan
Joined 2014
Posts: 1

House insurance claim

10 years ago

Hej hej
I am new in Sweden, moved here 5 months ago after obtaining Resident Permit (I am married with Swedish man).We both got jobs in Norway 2 months ago and we moved away leaving our house in Sweden. 2 weeks ago our house in Sweden caught fire and burned down.We have full insurance on it and are now in negotiations with our Insurance agent. Unfortunately our agent doesn't speak English and only way to talkwith him is through my husband.And since my husband and me work in different shifts, we only have time during night to talk about it.We still didn't get the time off of work to go and see our house ourselves.We only saw a damage to it on pictures that Insurance agent has sent us.And of course, we are rushed by the same agent to finish "the deal"-how he has put it! I asked for a copy of our insurance and our rights on English, which would help me understand it better, but was told by agent that they only have it on Swedish.It is frustrating and tiring experience and it started taking it's toll on both of us.This week we are planning to take several days off from work and travel back to Sweden to see our house and damage in it, so we know what we are talking about.We both got a feeling that agent is playing on us, since he would write to me that certain things he have discussed and made a decisions with my husband. When in
reality he didn't.It feels silly not knowing what my rights are.I have searched for some advice on this matter and didn't find much, but an advice to hire a lawyer.On the other hand, we were advised by Konsumenternas Försäkring not to hire one(as they cost too much) and not to provoke Insurance agent.This is the first time we are dealing with situation like this and we need help.Is there anybody out there who can tell me more about Home Insurance Claims?What are my rights in this?
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