¿El seguro debe pagar los daños estéticos en casos de responsabilidad civil?
Los derechos del tercero perjudicado a percibir la indemnización, y la obligación del causante a pagarle los daños causados por su responsabilidad civil, vienen regulados en el Código Civil Español (artículos 1902 a 1910). Y la norma dice que: el que por acción u omisión causa daño a otro, interviniendo culpa o negligencia, está obligado a reparar el daño causado.
Según la Real Academia Española, un daño es sinónimo de perjuicio o pérdida. La pérdida o daño que alguien puede provocar a otro puede ser en forma de rotura, resquebrajamiento, fragmentación, combustión, pérdida económica (lucro cesante), lesión corporal, etcétera y, obviamente, el daño estético. Por tanto los daños estéticos o pérdida estética es un daño como su nombre indica, y según el código civil los contempla todos. El código civil no hace distinción en cuanto a qué tipo de daños se incluyen o se excluyen a la hora de pagarlos al perjudicado.
Por lo tanto, los daños estéticos perjudicado (responsabilidad civil) deben pagarse siempre.
Casos prácticos de cobertura de daños estéticos perjudicado
A modo de ejemplos, pero existen muchos más, te comentamos los más frecuentes:
Casos de vehículos: Cuando como perjudicado te han abollado el coche y sólo te pintan aquella parte afectada, y el color se ve de un tono distinto, significa que existe un daño estético y debe indemnizarse toda la pintura del vehículo.
Casos de viviendas: Cuando el vecino de arriba tiene una fuga de agua, cae agua en tu baño y se despega el alicatado o afecta el parqué de madera de tu vivienda; o cuando al vecino de abajo se le incendia la cocina y queda afectada tu vivienda de humo y hollín y sólo quieren pagarte la parte directamente afectada sin contemplar toda la pérdida estética del conjunto, deben indemnizarte toda la pérdida estética.
Casos de edificios de comunidades: Cuando uno de los vecinos, por motivo de una fuga de agua o incendio dañan una parte de la zona comunitaria sea cual sea, ese vecino individual de la comunidad deberá indemnizar a la comunidad de propietarios el daño estético.
Temas de lesiones: Si con motivo de un accidente eres perjudicado y te quedara alguna cicatriz una vez sanado o estabilizadas las secuelas, deberán indemnizarte con las intervenciones necesarias de cirugía plástica por el daño estético para que desaparezca o se disimule en la mayor mesura posible.
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¿Y cuál es el límite?
Obviamente el Código Civil no pone ningún límite de dinero en cuanto a la responsabilidad civil de alguien respecto a otro. Es una obligación ilimitada del causante frente al perjudicado. Ahora bien, respecto a la garantía de responsabilidad civil del seguro, siempre existe un límite económico contratado que, una vez superado, será el propio asegurado (causante del accidente) quien deberá hacerse cargo del resto de la indemnización.
Y atención: Así como en los casos de daños propios las cláusulas que limitan los derechos del asegurado generalmente sólo contemplan el daño estético sobre las partes de continente (edificio), en los casos de responsabilidad civil incluyen continente, contenido y todo lo que sea menester. En los casos de daños estéticos perjudicado no existen ni cláusulas delimitativas ni limitativas de derechos.
Atención con los seguros de daños propios
Atención porque no hay que confundir el derecho a percibir toda la indemnización en concepto de daños estéticos cuando quien debe indemnizarte es el causante del accidente, o su seguro de responsabilidad civil, y la garantía de pérdida estética de las pólizas de daños propios del hogar, comunidades, etcétera. En este segundo caso no hay ningún responsable del accidente distinto a ti. Es el caso donde el responsable del accidente eres tú y también has sufrido daños estéticos.
Tal como ya tratamos en un post, los seguros de daños propios (hogar, comunidades, vehículos a motor –autos-, empresas, etcétera) incorporan una garantía llamada pérdida estética o daños estéticos. Cuando resulta que es uno mismo quien debe reclamar a su propio seguro de daños la pérdida estética y la causa del accidente no es atribuible a nadie sino a ti, la garantía de daños estéticos (cláusula delimitativa) viene condicionada bajo unas circunstancias muy concretas (cláusulas que limitan los derechos del asegurado). En ese caso y dependiendo de las circunstancias de contratación, tendrás cubierta la pérdida estética bajo unas condiciones y límites económicos muy concretos.
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Buenos días, mi vecino de abajo me avisa que tiene recalo de agua, aviso a mi seguro, me han habierto en el baño y resulta que es del bajante, por lo que se ha marchado sin terminar por ser comunidad o del vecino de arriba. Me recomienda que hable con el presidente para avisar al seguro de la comunidad y sino al seguro de mi vecino de arriba.
Mi pregunta es si tengo o no derecho de daños estéticos ya que no poseo azulejos para reemplar los rotos. Yo particularmente tengo contratado en mi seguro de hogar 3000€ por daños estéticos.
Muchas gracias por su atención.
Saludos,
Buenos dias, en mi caso el vecino de arriba sufrió una rotura en una tuberia del baño y me afectó el mueble del baño, techo, y las paredes que dan al mismo. Además en el comedor los muebles que estaban en una de las paredes afectadas empezó aparecer las humedades y moho. Los elementos afectados son una vitrina un aparador y dos sillas. Puedo pedir por daños esteticos la restitucion de los demas elementos (mesa, resto de sillas, mueble de la televisión, etc,. Estos otros elementos formaban un conjunto que ahora no los encuentro igual.
Gracias.
Un saludo.
El domingo mientras teníamos el cassette de calefacción funcionando, se cayó una piedra (mármol) de la parte de encima del cassette al suelo partiendo en 3 trozos, quedando un hueco. He dado parte al seguro pero me dicen que no se hacen cargo que no entra el cambio del mármol. ¿No se supone que deberían hacerse cargo por ser un elemento decorativo del cassette de calefacción? Puedo reclamar?
Tengo unas rotura en el plato de ducha , el seguro ha venido a mi casa para hacer una valoración y me dicen que me cambian el plato de ducha y que por daños estéticos alicatan solo la zona de la ducha.
Yo tengo contratado con el seguro “daños estéticos “.No tengo azulejos y yo no considero que estéticamente vaya a quedar igual .
Le puedo reclamar al seguro cambio del azulejo completo del baño?
Muchas gracias
Una empresa de transportes con seguro de responsabilidad civil con Allianz me rompió dos baldosas del patio a venido el perito y me dice que solo me pagan las dos baldosas rotas y esas baldosas ya no las hay y tendría que cambiar todo el patio y esos daños estéticos no me lo pagan es legal que hagan esto las compañías
Hola, he tenido un siniestro en el techo de mi baño, se lo digo a mi vecina y ella misma ve como cae agua por mi techo, me dice que su bañera está picada y reparada con una silicona, que no me preocupe que no va a usar mas la bañera, que se duchara en casa de su hija, mientras no cambia la bañera. Le digo que el enlucido del techo está hueco despegado de la bobadilla, etc, y me dice que no me preocupe. A la semana le digo que si ha llamado a su seguro (yo no había llamado al mio ) y me dice que no va a llamar a su seguro, que mi techo está así porque yo no pinto, le dije, pero si tu mismo has visto como caia el agua de tu bañera a mi techo.
Al final doy parte a mi seguro y consigo que ella llame al suyo.
Su perito le dijo que cuando cambie la bañera, le envié a su seguro la factura de la obra para que reparen el techo de mi baño. Le comento a su perito, que tengo un siniestro desde enero en el lavadero provocado por mi vecina y que ni todavía me lo han reparado porque mi vecina aunque ha reparado su lavadero, ella no ha presentado a su seguro la factura y que por eso no me reparan a mi y me dice su perito que ahí él no puede hacer nada (le digo, usted fué el mismo perito del lavadero, y usted mismo ha visto que ya tiene reparado el lavadero, ¿No puede comunicarselo al seguro de mi vecina para que me reparen el techo de mi lavadero ? me contesta que no. Todo esto tambièn se lo comento a mi perito, y me dice que si mi vecina repara y pasa unas semanas y no me reparan el seguro de mi vecina, el techo de mi baño, que no me preocupe, que lo llame yo a mi perito cuando sea cambiada la bañera, para que mi seguro repare mi techo del baño y luego se lo reclama a mi vecina o a su seguro.
El día que cambia retira la bañera, para poner un plato, de tantos golpes un trozo del enlucido de mi techo cae a la bañera (normal está el enlucido despegado de la bobadilla) , se lo digo a mi veicna, y me dice tranquilo que eso lo va a reparar todo mi seguro.
Pasan 2 semanas y como no me llama su seguro, le pregunto a mi vecina que si ha enviado la factura a su seguro y me contesta que no le ha dado tiempo (le digo, oye que se me está cayendo trozitos del yeso, cemento en la bañera , porque está todo el enlucido desprendido).
Llamo a su seguro, y me contestan que mi vecina si ha comunicado que ha cambiado la bañera pero que no lo ha demostrado con ningún documento, que mientras no lo demuestre , a mi no me reparan , le digo oiga que ya duchandome se me ha caido trocitos del techo en la bañera y encima mía y tengo a mi padre es mayor y algo torpe y esto puede provocarle una caida y me dice, pues denuncie a su vecina.
Llamo a mi gabinete de peritos y le digo a la chica que me atiende que quiero hablar con el perito, porque resulta que el seguro de mi vecina no me repara y que mi perito me dijo que si eso pasa, que lo llamara. La chica me contesta que el perito ya no tiene nada que ver, que ya su peritación la envió a mi seguro y que ya es cosa de mi seguro.
Llamo a mi seguro le cuento todo lo que pasa, y que se me está cayendo el techo a trocitos y que el seguro de mi vecina me dice que no me repara porque mi vecina no demuestra que ha cambiado la bañera. Le digo a mi seguro, mire yo tengo un video desde mis baño, del día en el que está quitando la bañera y donde se oye muchos golpes y donde se ve el trozo de enlucido caido y que estoy seguro que ha cambiado la bañera, además ya no cae mas agua, y me dice mi seguro que mientras no lo demuestre no me reparan.
Pregunto, si mi perito me dijo que eso lo tenía cubierto, que si el seguro o mi vecina no me reparaba una vez cambiada la bañera, que mi seguro se hacía cargo y luego se lo reclamaba a la parte contraria ¿por qué ahora mi seguro se niega porque mi vecina no presenta factura?
Por favor, me podría decir ¿cual es la cobertura de una póliza la que cubre la reparación de mis daños causados por mi vecina, para luego reclamarselos a mi vecina?
Porque no logro comprender como avisándoles a ambos seguros, de que por culpa de los trozos que cae del techo hacia la bañera, eso puede provocar un accidente, estén tan tranquilos y no quieran reparar.
El seguro de mi vecina es Santa lucía y mi seguro ocaso.
Por favor digame en que parte de mi póliza está cubierto la reparación de mis daños por parte de mi seguro para reclamarselo luego a mi vecina.
Muchas gracias y perdona por extenderme pero no sé explicar las cosas resumidamente. Este asunto y esta vecina me tiene de los nervios, hasta tengo pesadillas, ufffff, llevo ya mas de 8 años que no paro de tener siniestros con esta vecina, es raro el año que no me provoca un siniestro.
Para cada uno de los dos siniestros debes realizar una declaración de accidente. Si tiene cobertura, deberás cobrar la indemnización antes de 40 días desde la declaración sin ningún tipo de condición (al menos el importe mínimo conocido). Si a resultas de que no se repara la causa del siniestro se incrementan los daños, la aseguradora te deberá ampliar la indemnización hasta donde resulte.
En caso de que alguno de los dos siniestros no tuviera cobertura por garantía directa, habilita uno o dos nuevos siniestros por la garantía de Protección Jurídica (=Defensa Jurídica y Reclamación de Daños) para que en tu nombre reclamen tus daños al culpable con cargo íntegro a la aseguradora tanto de peritos como de abogados y procuradores.
Llama a ti seguro. Ellos se encargarán de reclamar al seguro de tu vecina y te lo arreglarán lo antes posible. Tu vecina te quiere torear
Hola buenas. En mi baño se rompió una tubería de agua y para repararla tuvieron que romper azulejos que no se pueden reponer y han quedado diferentes. Reclame la cláusula de estetica y me conceden los 2500 euros de indemnización pero sujetos a una reparación y presentación de factura. Pueden condicionar la indemnización de esa manera o deberían pagarme y yo reparar la parte que quiera? Gracias
No es correcto aunque con el sistema legal español le será más costoso reclamar el pago del importe que no hacer lo que la aseguradora le propone para cobrar la indemnización de los daños estéticos.
Reclama que te lo dejen igual
O pide un presupuesto formal o factura proforma de lo que cuesta alicatar el baño entero. Siempre tenemos un amigo que pagándole el i.v.a
Nos hará la factura. Pero no es necesario en este caso. De hecho si sobrara el dinero solo tendrías que mandarlo hacer, pagar, y pasar la factura.
Buenos días: a ver si me podéis ayudar, ya que no sé bien qué hacer, gracias.
Resulta que mi vecino está realizando una obra en su casa por la cual retiró unas tejas de su tejado para ampliación, llegó filomena y entró mucha agua, tanto que salió por el techo de mi vestidor y de la lámpara del dormitorio mojando colchón y canapé comprado en septiembre 2020. Yo dí parte a mi seguro porque mi vecino no quería llamar a su seguro y sólo me dijo que se haría cargo de la pintura del dormitorio.
Mi seguro me ha indemnizado con una cantidad que no considero justa al no cubrir todos los desperfectos ( Colchón mojado, canapé, manchas de humedad en las lámparas en hueco de escaleras,etc… la pintura del cuarto y de una parte del pasillo se ha desprendido, una banqueta comprada en octubre mojada, los cajones del vestidor no cierran bien, el ventilador de techo a veces funciona y otros no, la bombilla se fundió, dentro del canapé toda la ropa huele a humedad y en el vestidor, el vestidor está totalmente forrado) el perito que fue a mi casa no me pidió ni hizo fotos de nada y valoró los daños por 788 euros que me ingresaron sin notificarme nada, no conforme puse otra incidencia por disconformidad, pero el perito sin ir a visitar de nuevo mi casa se reitera en que los daños son esos, y vuelvo a abrir otra incidencia. ¿Qué puedo hacer ahora? ¿me corresponde más indemnización? ¿a quién debo de reclamar ?… mi vecino dice que no se hace cargo de nada. Gracias
He de decir que me dijeron que el perito me haría una segunda visita y nunca vino, pedí otro perito y tampoco . Mil gracias
El siniestro ocurrió el 07/01/21 y durante varias semanas no pudimos dormir en nuestro dormitorio ya fuera por la frialdad del dormitorio puesto que estaba el techo totalmente mojado y trozos de pared y el colchón mojado. Llamé dónde compré el colchón por si cubría garantía y me dijeron que una vez mojado perdía esa garantía y podría deformarse.
Gracias de nuevo
Olvídate de tu seguro. Si la culpa del accidente la tiene otro, contrata a una empresa como ClaimCenter para que reclame TODOS los daños al culpable. Sobretodo rechaza la indemnización de tu aseguradora ya que te puede perjudicar muchísimo en tu reclamación. La garantía de Protección Jurídica, Asistencia Jurídica o bien Defensa Jurídica y Reclamación de Daños (todo es la misma cobertura con nombres distintos) pagará todos o casi todas las facturas que esa empresa como ClaimCenter para efectuar la reclamación al culpable.
Buenas tardes. Yo no tengo seguro, y por una fuga, ha sufrido daños el techo de la cocina del vecino, la pared de su escalera interior, en su planta baja (son adosados triplex y es el vecino de un lateral), el armario de su habitación, el rodapié y dice que probablemente el parket también sufra. Me dice que ha dado parte a su seguro, que vendrá su perito y luego me pasaran factura. Tengo varias preguntas: ¿No debería de ser yo quien mande a los profesionales puesto que soy yo quien los paga?, porque resulta que un familiar mio es yesero y si lo pago yo, me gustaría que fuera el puesto que seguro que me lo dejará mejor de precio que otro. La segunda ¿Los daños estéticos los tengo que pagar yo?, concreto, resulta que si por ejemplo, una pieza del parket se ve afectada y no se encuentra exactamente el mismo y tiene que cambiar toda la habitación, ¿yo tendría que pagarselo?, porque he leido que si es parket de madera y no está muy mal, se suele poder arreglar, pero claro, veo que el está dispuesto a que le renueve el piso de mi bolsillo (y eso que de momento no me he negado a nada). Y lo mismo sucede con la escalera, al ser un triplex y tener humedad en una pared de un piso, quiere pintar la escalera de arriba a abajo, y supongo que los rellanos también para que no se note el cambio. ¿Todo eso se lo tengo que pagar yo? ¿Tendria que ir el dia que vaya el perito? ¿Tendria que pagar yo a un perito de mi bolsillo para contrastar el tema?
Sí. El culpable del accidente lo debe pagar todo. Daños directos, estéticos, inhabitabilidad, etcétera. Todos los daños causados a terceros sin límite.
Si usted tuviera un seguro de responsabilidad civil sería la aseguradora quien se haría cargo, pero si no deberá ser usted.
Si usted quiere contratar a un perito para «contrarrestar» la reclamación perfecto. Si luego quiere un abogado para que le defienda sus intereses estupendo. Pero estúdielo bien antes no sea que todo le cueste más.
Respecto al yesero, puede usted llegar a acuerdos con el perjudicado, pero en casa de cada uno va quien él quiere, no quien usted desea. Si quiere llegar a acuerdos pero luego oponerse a la reclamación respecto a estéticos u otras cosas, es muy posible que no accedan a su petición.
Puede mirar si hay un seguro comunitario que cubra la responsabilidad civil por agua derivado la las instalaciones privativas. Si existe luego sería ese seguro el que cubriría los daños
Hola,
He leído vuestras publicaciones sobre daños estéticos y responsabilidad civil pero tengo una consulta que no sé muy bien como actuar. Abrí un siniestro para reparar un plato de ducha que estaba agrietado. El seguro hizo la reparación pero dejó los siguientes desperfectos:
– El plato de ducha está colindante a un escalón y ha sido instalado desniveldado por lo que la mampara no actúa como es debido, haciendo que el agua salga.
– Me han dejado unas juntas del tamaño del dedo pulgar, haciendo que deba sustituir esas baldosas por nuevas para restituir las juntas a nivel del plato.
– El reparador cortó un azulejo por la mitad dejándolo una esquina rota e instalando la nueva baldosa de manera horizontal en vez de vertical como el resto, además que al ponerla así se pierde el dibujo de juntas comparado con el resto de azulejos.
– Rayaron dos baldosas de suelo con herramienta de disco, se excusaron que no usaron la herramienta de disco dentro del lavabo y tengo fotos que demuestran que el disco si fue usado en el lavabo.
Todos estos desperfectos fueron comunicados mediante burofax exigiendo la responsabilidad civil. Además, me pidieron un presupuesto y les envié uno de reformar todo el lavabo al no disponer de más azulejos y no encontrarlos en distribuidores locales. El seguro después de más de 60 días de comunicarles estos desperfectos, me ha propuesto lo siguiente:
– Me ha abonado 670€ en concepto de reparación del plato ducha.
– Daños estéticos hasta 1500€ presentando factura de reparación.
– Respecto a las baldosas de suelo me dicen que se encargará el seguro del reparador en asumir la responsabilidad civil pero aún nadie se ha puesto en contacto conmigo sobre este tema.
¿Si me han dejado una baldosa rota, además de poner una baldosa en posición horizontal en vez de vertical, no debería ser responsabilidad civil y asumir todo el coste sin limitación? Comentar que para hacer la reparación inicial les proporcioné los azulejos que disponía y que ahora no dispongo de ellos.
Agradecería cualquier ayuda al respecto.
Muchas gracias por vuestra ayuda
Eso se trata de una Responsabilidad Civil de la Actividad de la persona que ha ejecutado los trabajos y debes reclamar al contratista de esa empresa o autónomo, que suponemos será tu aseguradora.
Les explico mi caso:
En la habitacion de matrimonio tenemos toda la pared forrada en madera, dicha pared da a otra comunidad y el techo al terrado del vecino. Desde hace aprox. 15 meses observamos que dichas maderas empezaron a deformarse, estropeandose toda esa pared. Después de mucho insistir y batallar con la comunidad nos enteramos que los daños ocasionados era a raiz de la terraza superior que entraba agua. Hemos tenido que esperar casi 1 año a que repararan dicha terraza. Con la fra de la reparacion hemos abierto un siniestro en mapfre que es donde la comunidad tiene el seguro.
Nos mandan al carpintero para que vea los daños, el cual nos comenta que tendria que cambiar toda la madera de la pared, pero no sabemos si debajo de esta tambien hay daños a nivel de albañileria.
El problema viene ahora, me comenta el carpintero que en el mercado ya no hay ese mismo color de madera y que se deberia poner otro, nosotros le decimos que sin problema que trae unas muestras y elegimos.
Cual es mi sorpresa cuando me llaman para decirme que me indemnizan con aprox. 700 euros, que no lo reparan porque no tienen el mismo acabado.
Yo me niego a que me indemnizen, porque para empezar no creo que esten todos los daños valorados. y segundo que se acogen a que no hay esos acabados cuando le hemos dado facilidades para que sea otro acabado. Se lo hago saber a la compañia pero aun asi no me dan respuesta ninguna.
Pueden hacer esto? porque me lo estan alargando en el tiempo y sin conseguir respuesta.
Gracias de antemano y un saludo.
Si, contacte con nosotros y podemos reclamar el justiprecio exacto de los daños a la aseguradora de la comunidad, teniendo en cuenta que éstos son susceptibles a depreciación por uso.
Intentan que tragues con lo mínimo. Si dispones de dinero, mandalo reparar y envíales la factura, no les queda otra que abonarla. Nunca aceptes la indemnización que ofrecen(miseria) porque es de la manera que quedan exentos con 2 pesetas
Hola,
Me gustaría hacerles una consulta referente a un siniestro del que di parte al seguro ,pero del que no me cubrieron nada pues la rotura de los azulejos de una de las paredes de mi cocina argumentaban que no era debido a humedades sino a mala colocación de obra. Aún así tengo derecho a reclamar daños estéticos ya que no consigo los azulejos para sustituir los rotos?, muchas gracias por la contestación.
Un saludo.
La cobertura de daños estéticos habitualmente está condicionada a que el siniestro quede cubierto por una garantía de daños propios (incendio, daños por agua, explosión,…) . Si no se da esa situación, el asegurador no cubrirá los estéticos.
Buenas tardes. Espero puedan resolver mis dudas.
Es la primera vez que doy un parte por una rotura de plató de ducha de loza que me ha provocado humedad en la pared de 2 estancias, me ha levantado un par de baldosas y está saliendo también humedad en la tarima de pasillo y habitaciones contiguas… Me dicen que me cambian los azulejos de todo el baño por daños estéticos, pero la tarima aún no la han venido a valorar poequw dicen que cada gremio va por separado.. Mi pregunta es.. Si tienen que cambiar la tarima y aplicar daños estéticos tmbién y según la póliza de línea directa el límite son 1800€, y ya me habrian cambiado todos los azulejos y por tanto habria gastado casi los 1800, ya no me cubriría la tarima? O los daños estéticos de aplicar por estancia, gremio o algo así? Por otro lado, he pedido a la empresa que va a hacer la. Obra que en vez de alicatar todo, solo alicaten hasta la mitad y el resto hasta el techo en pintura lista blanca y me dicen que no es posible porque tienen que dejarlo igual.. Es eso cierto? No hay opción de cámbio ni siendo más económico la modificación que se solicita? Muchas gracias
Sí, a las dos preguntas.
El límite máximo de la garantía son 1.800 € por siniestro y para todo el conjunto de estancias.
Sí que usted puede hacer esas modificaciones que desea de solo alicatar hasta media altura. En su casa hace y decide usted lo que le da la gana. No decide no el seguro ni sus operarios. ¡Solo faltaría!
Buenas tardes no sé si podrán resolverme una duda que tengo. Hace un mes se rompió la válvula de la bañera y moje a la vecina d abajo. Vino el fontanero de mi seguro y arreglo la avería, pero tuvo que romper los azulejos d la bañera. A los días vino el perito y me dice que si el fontanero no encuentra el azulejo que tengo puesto que no tengo derecho a reclamar daños estéticos porque tienen más d 10 años. Mi pregunta es ¿Consiento que me tapen el boquete con yeso y ya? Xq mis azulejos tienen menos de diez años pero no encuentro la factura d compra y no tengo forma de demostrarlo. Eso pone en mi póliza pero para que me cobran una estética que no tengo? Que es lo mejor que puedo hacer? Coger la indemnización que será minina por tapar el boquete que me han echo? O dejar que me echen yeso y ya? Espero su respuesta
Muchas gracias un saludo!!
Por lo que comenta se trataría de una cláusula abusiva y nula porque le cobran prima y luego la garantía está vacía de contenido. Por ello puede reclamar con muchas garantías de percibir la indemnización.
Buenas tenía una consulta, hace poco di parte al seguro de hogar por un problema con una tubería, me lo arreglaron sin problema, pero al venir el albañil para ponerme un azulejo que el fontanero quitó, pues se le partió y me lo puso roto. Mi duda es, tengo derecho a que me pongan los azulejos del todo el baño del mismo color, ya que el albañil me dijo que era casi imposible obtener un azulejo como el que tengo? Me pueden indemnizar? Seria el coste de un azulejo solo? Tengo daños estéticos contratado hasta 1.500 euros… Estoy un poco perdida sobre que derechos tengo. Espero respuesta muchas gracias.
Si la culpa de los daños es del albañil subcontratado directamente por la aseguradora que ejecutando unos trabajos lo hizo mal, será la aseguradora la que, como contratista, sea responsable de todos los daños materiales causados de manera ilimitada, incluso los estéticos. Se tratará de un tema de Responsabilidad Civil de la Actividad.
Si resulta que los trabajos se ejecutaron perfectamente, luego usted deberá gozar de la garantía de daños estéticos hasta el límite que tenga contratado en su seguro del hogar.
Esta cosa tan fundamenta y clara que no siempre la contemplan los peritos (a veces con consentimiento de los propios perjudicados); y debería formar parte de la cotidianidad. Lo peor, es que las propias compañías inciten a esta práctica con sus peritos. Muchas veces los perjudicados no son conscientes de ese derecho; por eso, se debe luchar para que los perjudicados lo tengan presente y cada vez más se acuda a perito de parte.
Estamos totalmente de acuerdo con su visión. Muchas gracias por su comentario.