Building inspection of the property
- Review of all reports and notes
- Assessment of remaining lifespan and related reports
- Estimation of repairs and improvements
+ much more
Get contacted within 1 hour and hear how we can help you
Insurance and building advice eliminate doubts and uncertainty
There are many aspects to a property transaction, especially regarding insurance and building technology.
Who has in-depth knowledge of insurance and building techniques? We have, and we can accompany you to inspect the property. We will clarify any questions you may have regarding all the reports and the property itself during the inspection. We also examine whether there are issues not described in the reports that could lead to significant expenses in the future. For example, while the condition report details the remaining lifespan of the roof, does this information matter from an insurance technical perspective?
Can a small note in a grey remark be as serious as a red or yellow remark?
Building inspection of the property
- Review of all reports and notes
- Assessment of remaining lifespan and related reports
- Estimation of repairs and improvements
+ much more.
Fixed price 3.995,- DKK
Insurance and construction technical review of the property
– The insurance expert inspects the property and provides verbal advice.
Explanation of the condition report and electrical installation report
– We review the condition and electrical installation reports, clarifying the various technical terms and their implications for the property and your finance
Identifying dangerous pitfalls
– Are there issues that should have been mentioned in the reports but, for some reason, were overlooked? An omission by the appointed building inspector could become an expensive surprise for new homeowners.
Understanding the notes
– We analyse the significance of the notes and inspect building components in the condition report concerning insurance coverage.
Lifespans of building components
– Assessment of the remaining lifespan of the roof, also concerning insurance coverage, and what the lifespan indicated in the condition report truly means.
Warning signals
– Warning signals concerning home insurance and owner’s liability insurance, related to the Insurance Complaints Board’s practices regarding damages.
Peace of mind
– Very few purchase property often enough to become seasoned buyers. We assist hundreds of homebuyers each year with buyer’s advice to prevent unpleasant surprises after you’ve signed on the dotted line.
Price negotiation
– An inspection is the perfect starting point for price negotiation, which we also can assist with.
3 reasons to choose your own independent building inspector
No financial risk
Understand the condition report and what it entails in terms of financial risk for you regarding insurance.
Review of the condition report
Our building inspector is also an insurance expert and understands the significance of the annotations in the condition report.
No surprises
Purchase your dream home without encountering negative surprises.
Get contacted within 1 hour and hear how we can help you
Why is a building inspector not enough when buying a property?
It can be very beneficial to have a building inspector accompany you when inspecting a property. However, this is not always sufficient.
A building inspector can help review the condition report and identify any issues that may have been overlooked by the other building inspector, who prepared the condition report (tilstandsrapporten). They can also provide valuable insights when assessing potential renovation and interior design plans.
Isn’t everything covered in the condition report?
What do the remarks in the condition report mean for change of ownership insurance? After all, the change of ownership insurance protects us if hidden defects and issues arise in the property we’ve just purchased.
That’s why Komplet Køberrådgivning recommends having both construction technical and insurance technical perspectives in mind when inspecting a property, ensuring you’re not left with a bill of several hundred thousand kroner later on. Typically, a change of ownership insurance includes exclusions for issues noted in the condition report, but this is often overlooked by consumers and building inspectors — especially when it may relate to common issues in the property (e.g., squeaky floors).
Therefore, always ensure you have both a construction technical and an insurance technical expert when viewing a new property. We hold the Danish Financial Supervisory Authority’s licenses to advise you in this area so you can feel entirely secure in our hands.
Thousand insurance policies contain invalid exclusions
Homeowners are being cheated out of compensation, and several thousand insurance policies contain invalid exclusions – information that homeowners simply aren’t aware of. This means they miss out on compensation, which they are entitled to because they fail to see the insurance companies’ deceit. Insurance expert Søren Ahlgren Mortensen, part-owner of Komplet Køberrådgivning, has raised awareness about this development for years. Every day, he witnesses insurance companies interpreting the law to their advantage, allowing them to deny numerous claims based on invalid exclusions included in homeowners’ insurance policies.
The interaction between ownership insurance and the condition report
Unfortunately, the interplay between ownership insurance and the condition report has reached a level where only a few can see what’s truly going on. As quoted in the Danish newspaper Politiken: “Insurance companies deliberately undermine, in alliance with a few selected building consultants, the purpose of condition reports and ownership insurance, to the detriment of unsuspecting consumers,” says Jan Schøtt-Petersen, chairman of Danske Boligadvokater.
The relentless pursuit of profit by insurance companies has resulted in condition reports that obscure the actual risks present in a home. These risk signals are neatly wrapped in decorative packaging, giving a false sense of security. As the Danish consumer organisation Tænk states in Politiken: “Because insurance companies have fixed partners who—one could be tempted to say—are trained in how to produce these reports, it creates a risk of imprecise wording and subsequent exclusions in ownership insurance,” says Lea Markersen, legal consultant at Forbrugerrådet Tænk.
On our sister company’s website, www.dinforsikringsekspert.dk, we provide valuable advice for housing lawyers regarding the exclusions in insurance offers during property transactions. Over the years, the Insurance Complaints Board has also grappled with insurance companies in their decisions, where insurers knowingly inserted invalid exclusions, thus unjustly denying coverage claims.
For most homeowners, their cases never reach the Insurance Complaints Board. After all, how can a consumer decipher that the exclusion the insurance company used to deny their claim is indeed invalid? Case number 84.782 precisely illustrates the challenges presented by these invalid exclusions, but it is ultimately up to each homeowner to uncover this truth. We recommend homeowners, who have had their claims denied due to exclusion, to immediately refer their case to the Insurance Complaints Board.
Unfortunately, this is an uneven battle. Insurance companies have not only created a lucrative business through their collaboration with select building consultants or surveyors, but they have also developed a carefully considered system that minimises their risks to such an extent that customers are left with a virtually useless ownership insurance policy, for which they have paid a substantial amount without even realising it.
The significance of the condition report
Over the past few years, the Insurance Complaints Board has changed its practices in response to complaints regarding the significance of remarks in condition reports.
This means many insurance customers are losing compensation because they have not thoroughly read their condition reports before purchasing a home.
“Homebuyers and advisors must take condition reports very seriously today. It’s not just the K3 (red) and UN remarks, but most importantly, the notes from the building surveyor who prepared the condition report.
“Because it is typically those notes that determine whether one is entitled to compensation or not,” says Søren Ahlgren Mortensen, insurance expert at Komplet Køberrådgivning.
Security, security, and security
Real estate agents always emphasise the importance of location, location, location. For us, it’s all about security, security, and security when buying a house. Know your risks; don’t focus solely on the yellow, red, and grey remarks in a condition report, but also pay attention to the fine print, for example.
A small, seemingly innocuous note can have consequences as significant as a red or a grey remark.