For me, the panels are cracked from the ceiling. Some of my things were damaged including my laptop. Do I have to be self-insured as a tenant for my belongings, or would the insurance of my landlady arise?
Own household insurance
Why did the ceiling come down? Did someone cause that or was there an earthquake?
Who owns the paneling? Is she part of the Mietsachs or does she belong to you? Was she made of wood or styrofoam?
If you still remember the insured risk?
Tap water, burglary theft, fire is already eliminated
Depends on the cause, I guess. I'm just assuming that the panels belong to the apartment and were not attached by you. I also assume that this happened out of the blue and without your intervention. Your landlady is liable if this accident was caused by your faulty or missing maintenance. https://dejure.org/gesetze/BGB/536a.html
Since your laptop was harmed by their behavior is in my eyes, their insurance in charge.
I would fully agree with that!
Absolutely right.
It is important to know that in this case it is a damage event of the landlord liability insurance. Compensation is only for things that are not owned by the landlord, or for which the landlord does not bear the financial risk, as is the case with the damaged property of the tenant. This gives rise to a claim for damages equal to the repair costs, but no more than the replacement value for a device of the same age and wear condition as the damaged object before the damage event. In addition, the injured party may incur all costs actually incurred by repair or replacement, including the cost of a lawyer.
The repair to the Mietsachs must pay the landlord himself.
Thanks, they have turned down over time by themselves. I then took pictures and sent my landlady to make them aware. Coincidentally, the wooden slats came down in the evening while I quickly went shopping again. There was no earthquake
