{"id":1336,"date":"2024-11-26T10:09:59","date_gmt":"2024-11-26T09:09:59","guid":{"rendered":"https:\/\/kompletkoeberraadgivning.dk\/?page_id=1336"},"modified":"2025-01-02T14:21:47","modified_gmt":"2025-01-02T13:21:47","slug":"building-inspection-of-the-property","status":"publish","type":"page","link":"https:\/\/kompletkoeberraadgivning.dk\/en\/building-inspection-of-the-property\/","title":{"rendered":"Besigtigelse af byggesagkyndig"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; background_image=&#8221;17&#8243; el_class=&#8221;padding100 center-house-bg herosection&#8221; css=&#8221;.vc_custom_1613550287002{padding-bottom: 0px !important;}&#8221;][vc_column offset=&#8221;vc_col-lg-6 vc_col-md-12&#8243;][vc_column_text css=&#8221;.vc_custom_1732611350533{padding-bottom: 30px !important;}&#8221;]<\/p>\n<h1>Building inspection of the property<\/h1>\n<ul>\n<li>Review of all reports and notes<\/li>\n<li>Assessment of remaining lifespan and related reports<\/li>\n<li>Estimation of repairs and improvements<\/li>\n<\/ul>\n<p>+ much more<\/p>\n<h4>Fixed price 3.995,- DKK<\/h4>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/kompletkoeberraadgivning.dk\/book\/#book\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Book appointment<\/a>[vc_empty_space height=&#8221;40px&#8221;][vc_column_text css=&#8221;.vc_custom_1732611458913{padding-bottom: 10px !important;}&#8221;]<\/p>\n<h5>Get contacted within 1 hour and hear how we can help you<\/h5>\n<p>[\/vc_column_text]        \r\n        <div class=\"box padding15\">\r\n            <script>\nvar 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xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\t\t\t\t\t\t<g>\r\n\t\t\t\t\t\t\t<ellipse class=\"background\" ry=\"40\" rx=\"40\" cy=\"42\" cx=\"42\" stroke-width=\"1\"\/>\r\n\t\t\t\t\t\t\t<polygon class=\"play-icon\" points=\"52,43 34,52 34,34\" \/>\r\n\t\t\t\t\t\t<\/g>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t<p>Afspil videoen<\/p>\r\n                <\/div>\r\n                                    <img decoding=\"async\" src=\"https:\/\/kompletkoeberraadgivning.dk\/wp-content\/uploads\/2021\/02\/7241e4aafcffed3789d9de2b05c4f464.jpg\" alt=\"\" class=\"custom_poster object-fit\">\r\n                \t\t\t<\/div>\r\n\t\t<\/div>\r\n\r\n        [\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; el_class=&#8221;padding100&#8243; css=&#8221;.vc_custom_1613573686710{background-color: #f6f7f8 !important;}&#8221; z_index=&#8221;&#8221;][vc_column][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221; el_class=&#8221;equal-height justify-center&#8221;][vc_column_inner offset=&#8221;vc_col-lg-6 vc_col-md-6&#8243;][vc_column_text]<\/p>\n<h2>Insurance and building advice eliminate doubts and uncertainty<\/h2>\n<p>There are many aspects to a property transaction, especially regarding insurance and building technology.<\/p>\n<p><span style=\"font-weight: 400;\">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?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Can a small note in a grey remark be as serious as a red or yellow remark?<\/span>[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-offset-2 vc_col-lg-4 vc_col-md-offset-1 vc_col-md-5&#8243;]\n        \n\n        <div class=\"box_with_btn box padding25\">\n\n            <div class=\"box_content\">\n\n                [vc_column_text]<\/p>\n<h3>Building inspection of the property<\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review of all reports and notes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assessment of remaining lifespan and related reports<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Estimation of repairs and improvements<\/span><\/li>\n<\/ul>\n<p>+ much more.<\/p>\n<h4>Fixed price 3.995,- DKK<\/h4>\n<p>[\/vc_column_text]\n            <\/div>\n\n            <div class=\"box_button\">\n\n                <a itemprop=\"url\" href=\"https:\/\/kompletkoeberraadgivning.dk\/book\/\" target=\"_self\" class=\"qbutton default \">Book appointment<\/a>\n\n            <\/div>\n\n        <\/div>\n\n\n\n        [\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; el_class=&#8221;padding100 left-house-bg&#8221; background_image=&#8221;31&#8243;][vc_column][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613055210266{padding-bottom: 50px !important;}&#8221;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h4>Insurance and construction technical review of the property<\/h4>\n<p>\u2013 The insurance expert inspects the property and provides verbal advice.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613055214562{padding-bottom: 50px !important;}&#8221;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h4>Explanation of the condition report and electrical installation report<\/h4>\n<p>\u2013 We review the condition and electrical installation reports, clarifying the various technical terms and their implications for the property and your finance[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613055210266{padding-bottom: 50px !important;}&#8221;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h4>Identifying dangerous pitfalls<\/h4>\n<p>\u2013 <span style=\"font-weight: 400;\">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.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613055214562{padding-bottom: 50px !important;}&#8221;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h4>Understanding the notes<\/h4>\n<p>\u2013 We analyse the significance of the notes and inspect building components in the condition report concerning insurance coverage.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613055210266{padding-bottom: 50px !important;}&#8221;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h4>Lifespans of building components<\/h4>\n<p>\u2013 Assessment of the remaining lifespan of the roof, also concerning insurance coverage, and what the lifespan indicated in the condition report truly means.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613055214562{padding-bottom: 50px !important;}&#8221;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h4>Warning signals<\/h4>\n<p>\u2013 Warning signals concerning home insurance and owner\u2019s liability insurance, related to the Insurance Complaints Board\u2019s practices regarding damages.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613055210266{padding-bottom: 50px !important;}&#8221;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h4>Peace of mind<\/h4>\n<p>\u2013 <span style=\"font-weight: 400;\">Very few purchase property often enough to become seasoned buyers. We assist hundreds of homebuyers each year with buyer\u2019s advice to prevent unpleasant surprises after you\u2019ve signed on the dotted line.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1613055214562{padding-bottom: 50px !important;}&#8221;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h4>Price negotiation<\/h4>\n<p>\u2013 An inspection is the perfect starting point for price negotiation, which we also can assist with.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; css=&#8221;.vc_custom_1613633670839{background-color: #f6f7f8 !important;}&#8221; z_index=&#8221;&#8221; el_class=&#8221;padding100 left-house-bg&#8221; background_image=&#8221;31&#8243;][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\">3 reasons to choose your own independent building inspector<\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;50px&#8221;][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221;][vc_column_inner offset=&#8221;vc_col-lg-4 vc_col-md-4&#8243;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h3>No financial risk<\/h3>\n<p>Understand the condition report and what it entails in terms of financial risk for you regarding insurance.[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-4 vc_col-md-4&#8243;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h3>Review of the condition report<\/h3>\n<p>Our building inspector is also an insurance expert and understands the significance of the annotations in the condition report.[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-4 vc_col-md-4&#8243;]<span data-type=\"normal\"  class=\"qode_icon_shortcode  q_font_awsome_icon fa-2x  \" style=\"margin: 0 0 20px 0; \"><i class=\"qode_icon_font_awesome_5 fa5 fa fa-check-circle qode_icon_element\" style=\"font-size: 28px;color: #375c9a;\" ><\/i><\/span>[vc_column_text]<\/p>\n<h3>No surprises<\/h3>\n<p>Purchase your dream home without encountering negative surprises.[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;50px&#8221;][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221;][vc_column_inner offset=&#8221;vc_col-lg-offset-2 vc_col-lg-8 vc_col-md-offset-1 vc_col-md-10&#8243;]        \r\n        <div class=\"box padding25\">\r\n            [vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Get contacted within 1 hour and hear how we can help you<\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;25px&#8221;]\n                <div class='gf_browser_gecko gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_3' 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type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div><script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 3, 'https:\/\/kompletkoeberraadgivning.dk\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery('#gform_ajax_frame_3').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_3');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_3').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 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contents;}jQuery('#gform_wrapper_3').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [3]);window['gf_submitting_3'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_3').text());}else{jQuery('#gform_3').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"3\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_3\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_3\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_3\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 3, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n        <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; el_class=&#8221;padding80 equal-height align-center&#8221;][vc_column offset=&#8221;vc_col-lg-6 vc_col-md-6&#8243;][vc_single_image image=&#8221;267&#8243; img_size=&#8221;full&#8221; style=&#8221;vc_box_rounded&#8221; qode_css_animation=&#8221;&#8221;][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][vc_column el_class=&#8221;paddingleft&#8221; offset=&#8221;vc_col-lg-6 vc_col-md-6&#8243;][vc_column_text]<\/p>\n<h2>Why is a building inspector not enough when buying a property?<\/h2>\n<p><span style=\"font-weight: 400;\">It can be very beneficial to have a building inspector accompany you when inspecting a property. However, this is not always sufficient.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span>[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; el_class=&#8221;padding80 equal-height align-center swap-on-mobile&#8221; css=&#8221;.vc_custom_1614329665378{background-color: #f6f7f8 !important;}&#8221;][vc_column el_class=&#8221;paddingright&#8221; offset=&#8221;vc_col-lg-6 vc_col-md-6&#8243;][vc_column_text]<\/p>\n<h2>Isn\u2019t everything covered in the condition report?<\/h2>\n<p><span style=\"font-weight: 400;\">What do the remarks in the condition report mean for change of ownership insurance? After all,\u00a0 the change of ownership insurance protects us if hidden defects and issues arise in the property we\u2019ve just purchased.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s why Komplet K\u00f8berr\u00e5dgivning recommends having both construction technical and insurance technical perspectives in mind when inspecting a property, ensuring you\u2019re 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 \u2014 especially when it may relate to common issues in the property (e.g., squeaky floors).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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&#8217;s licenses to advise you in this area so you can feel entirely secure in our hands.<\/span>[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][vc_column offset=&#8221;vc_col-lg-6 vc_col-md-6&#8243;][vc_single_image image=&#8221;296&#8243; img_size=&#8221;full&#8221; style=&#8221;vc_box_rounded&#8221; qode_css_animation=&#8221;&#8221;][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; el_class=&#8221;padding80 equal-height align-center&#8221;][vc_column el_class=&#8221;paddingright&#8221;][vc_column_text]<\/p>\n<h2>Thousand insurance policies contain invalid exclusions<\/h2>\n<p><span style=\"font-weight: 400;\">Homeowners are being cheated out of compensation, and several thousand insurance policies contain invalid exclusions \u2013 information that homeowners simply aren\u2019t aware of. This means they miss out on compensation, which they are entitled to because they fail to see the insurance companies&#8217; deceit. Insurance expert S\u00f8ren Ahlgren Mortensen, part-owner of Komplet K\u00f8berr\u00e5dgivning, 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&#8217; insurance policies.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The interaction between ownership insurance and the condition report<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Unfortunately, the interplay between ownership insurance and the condition report has reached a level where only a few can see what\u2019s truly going on. As quoted in the Danish newspaper Politiken: &#8220;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,&#8221; says Jan Sch\u00f8tt-Petersen, chairman of Danske Boligadvokater.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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 T\u00e6nk states in Politiken: &#8220;Because insurance companies have fixed partners who\u2014one could be tempted to say\u2014are trained in how to produce these reports, it creates a risk of imprecise wording and subsequent exclusions in ownership insurance,&#8221; says Lea Markersen, legal consultant at Forbrugerr\u00e5det T\u00e6nk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On our sister company&#8217;s website, <\/span><a href=\"http:\/\/www.dinforsikringsekspert.dk\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">www.dinforsikringsekspert.dk<\/span><\/a><span style=\"font-weight: 400;\">, 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; css=&#8221;.vc_custom_1613052815544{background-color: #f6f7f8 !important;}&#8221; z_index=&#8221;&#8221; el_class=&#8221;padding100&#8243;][vc_column][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;grid&#8221; text_align=&#8221;left&#8221; css_animation=&#8221;&#8221;][vc_column_inner css=&#8221;.vc_custom_1614329723662{padding-bottom: 30px !important;}&#8221; offset=&#8221;vc_col-lg-6 vc_col-md-6&#8243;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">The significance of the condition report<\/h3>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">This means many insurance customers are losing compensation because they have not thoroughly read their condition reports before purchasing a home.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">\u201cHomebuyers and advisors must take condition reports very seriously today. It&#8217;s not just the K3 (red) and UN remarks, but most importantly, the notes from the building surveyor who prepared the condition report.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">\u201cBecause it is typically those notes that determine whether one is entitled to compensation or not,\u201d says S\u00f8ren Ahlgren Mortensen, insurance expert at Komplet K\u00f8berr\u00e5dgivning.<\/span><\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][vc_column_inner css=&#8221;.vc_custom_1614329731960{padding-bottom: 30px !important;}&#8221; offset=&#8221;vc_col-lg-6 vc_col-md-6&#8243;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">Security, security, and security<\/h3>\n<p style=\"text-align: center;\">Real estate agents always emphasise the importance of location, location, location. For us, it\u2019s all about security, security, and security when buying a house. Know your risks; don\u2019t focus solely on the yellow, red, and grey remarks in a condition report, but also pay attention to the fine print, for example.<br \/>\nA small, seemingly innocuous note can have consequences as significant as a red or a grey remark.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221; background_image=&#8221;17&#8243; el_class=&#8221;padding100 center-house-bg herosection&#8221; css=&#8221;.vc_custom_1613550287002{padding-bottom: 0px !important;}&#8221;][vc_column offset=&#8221;vc_col-lg-6 vc_col-md-12&#8243;][vc_column_text css=&#8221;.vc_custom_1732611350533{padding-bottom: 30px !important;}&#8221;] Building inspection of the property Review of all reports&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full_width.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-1336","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/kompletkoeberraadgivning.dk\/en\/wp-json\/wp\/v2\/pages\/1336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kompletkoeberraadgivning.dk\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kompletkoeberraadgivning.dk\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kompletkoeberraadgivning.dk\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/kompletkoeberraadgivning.dk\/en\/wp-json\/wp\/v2\/comments?post=1336"}],"version-history":[{"count":8,"href":"https:\/\/kompletkoeberraadgivning.dk\/en\/wp-json\/wp\/v2\/pages\/1336\/revisions"}],"predecessor-version":[{"id":1380,"href":"https:\/\/kompletkoeberraadgivning.dk\/en\/wp-json\/wp\/v2\/pages\/1336\/revisions\/1380"}],"wp:attachment":[{"href":"https:\/\/kompletkoeberraadgivning.dk\/en\/wp-json\/wp\/v2\/media?parent=1336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}