Are they insured?

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QUESTION: Are they insured? Photo: Shutterstock


QUESTION: 

Are they insured?

We purchased a top floor apartment which includes a roof terrace for our use only.  We have insured the apartment for what we paid for it. This amount is higher than the IBI and it does not seem to include the roof terrace. We have emailed the community administrator to confirm that the roof terrace is included in the community’s building insurance but they have not replied yet. Should we have also included the President in the email to get a reply? Can we request a copy of the community building insurance to prove that our roof terrace is insured?

A.B. (Costa Blanca)

ANSWER:

Standardly the roof terrace is not really your property. It is reserved for your exclusive use but the community is finally responsible for any problems. That is why it is not listed as part of your purchase. Yes, you can request a copy of the insurance to see just what is covered by building insurance and what you need to cover separately. Even efficient administrators are seldom very good at answering questions so I suggest you go directly through your president.

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