{"id":3323,"date":"2024-11-25T09:00:00","date_gmt":"2024-11-25T08:00:00","guid":{"rendered":"https:\/\/costablanca-magazin.com\/?p=3323"},"modified":"2025-07-08T05:38:03","modified_gmt":"2025-07-08T03:38:03","slug":"cbm-i-samtale-med-thomas-goering-riktig-forsikring-av-eiendom","status":"publish","type":"post","link":"https:\/\/costablanca-magazin.com\/nb\/immobilien\/service-recht\/cbm-im-gespraech-mit-thomas-goering-immobilien-richtig-versichern\/","title":{"rendered":"CBM i samtale med Thomas G\u00f6ring - Riktig forsikring av eiendom"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3323\" class=\"elementor elementor-3323\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-568fad8 e-flex e-con-boxed e-con e-parent\" data-id=\"568fad8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0417c8b elementor-widget elementor-widget-heading\" data-id=\"0417c8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Fast eiendom\nForsikre deg riktig: Slik beskytter du\neiendommen din p\u00e5\nCosta Blanca<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7311355 elementor-widget elementor-widget-image\" data-id=\"7311355\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/costablanca-magazin.com\/wp-content\/uploads\/2024\/11\/investment-insurance-life-and-house-protection-i-2023-11-27-05-13-46-utc-1536x1024.jpg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-3324\" alt=\"Forsikre eiendommer riktig: Slik beskytter du eiendommen din p\u00e5 Costa Blanca\" srcset=\"https:\/\/costablanca-magazin.com\/wp-content\/uploads\/2024\/11\/investment-insurance-life-and-house-protection-i-2023-11-27-05-13-46-utc-1536x1024.jpg 1536w, https:\/\/costablanca-magazin.com\/wp-content\/uploads\/2024\/11\/investment-insurance-life-and-house-protection-i-2023-11-27-05-13-46-utc-300x200.jpg 300w, https:\/\/costablanca-magazin.com\/wp-content\/uploads\/2024\/11\/investment-insurance-life-and-house-protection-i-2023-11-27-05-13-46-utc-1024x683.jpg 1024w, https:\/\/costablanca-magazin.com\/wp-content\/uploads\/2024\/11\/investment-insurance-life-and-house-protection-i-2023-11-27-05-13-46-utc-768x512.jpg 768w, https:\/\/costablanca-magazin.com\/wp-content\/uploads\/2024\/11\/investment-insurance-life-and-house-protection-i-2023-11-27-05-13-46-utc-2048x1365.jpg 2048w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fef86e elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"0fef86e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-building\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M128 148v-40c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12zm140 12h40c6.6 0 12-5.4 12-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12zm-128 96h40c6.6 0 12-5.4 12-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12zm128 0h40c6.6 0 12-5.4 12-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12zm-76 84v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm76 12h40c6.6 0 12-5.4 12-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12zm180 124v36H0v-36c0-6.6 5.4-12 12-12h19.5V24c0-13.3 10.7-24 24-24h337c13.3 0 24 10.7 24 24v440H436c6.6 0 12 5.4 12 12zM79.5 463H192v-67c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v67h112.5V49L80 48l-.5 415z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb7258b elementor-widget elementor-widget-heading\" data-id=\"cb7258b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CBM i dialog med\nForsikringsekspert Thomas G\u00f6ring\nHva eiendomseiere trenger \u00e5 vite\nom beskyttelse mot stormskader\nb\u00f8r vite.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f78435 e-flex e-con-boxed e-con e-parent\" data-id=\"2f78435\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4bc1a5a e-con-full e-flex e-con e-child\" data-id=\"4bc1a5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e861615 elementor-widget elementor-widget-image\" data-id=\"e861615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/costablanca-magazin.com\/wp-content\/uploads\/elementor\/thumbs\/real-estate-concepts-valuation-and-home-loan-calc-2023-11-27-05-30-31-utc-scaled-rjc7allovrr1y2ilp2ccghnhsx8wfkbpyau5ffn474.jpg\" title=\"Fastrentel\u00e5n er tilbake p\u00e5 toppen i Spania\" alt=\"Fastrentel\u00e5n er tilbake p\u00e5 toppen i Spania\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1884503 elementor-widget elementor-widget-text-editor\" data-id=\"1884503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Er det en karensperiode f\u00f8r <\/strong><strong>Forsikring for skader for\u00e5rsaket av uv\u00e6r?<\/strong><br \/>Det er en karenstid for tingskade p\u00e5 7 dager etter datoen for inng\u00e5else eller utstedelse av forsikringspolisen.<\/p><p><strong>Dekker forsikringsselskapene kostnader til n\u00f8dtiltak, som for eksempel utpumping av vann <\/strong><strong>eller midlertidige beskyttelsestiltak?<\/strong><br \/>Disse tiltakene varierer fra tilfelle til tilfelle og kan ikke generaliseres.<\/p><p><strong>Hva er de viktigste trinnene?, <\/strong><strong>Jeg m\u00e5 ta i tilfelle en skade for \u00e5 kunne gj\u00f8re krav p\u00e5 forsikringen. <\/strong><strong>\u00e5 ta?<\/strong><br \/>Skaden skal rapporteres umiddelbart. Det er viktig \u00e5 ta bilder av skaden. Fakturaer og kvitteringer, hvis de er tilgjengelige, er ogs\u00e5 nyttige for behandlingen.<\/p><p><strong>Hvordan fungerer prosessen med <\/strong><strong>skadeoppgj\u00f8r, og hvordan <\/strong><strong>raskt med en kompensasjon <\/strong><strong>bli regnet med?<\/strong><br \/>Dette varierer fra skade til skade. Skaden meldes til selskapet, som deretter tar stilling til den videre saksbehandlingen. Som regel sender selskapet en ekspert for \u00e5 inspisere skaden p\u00e5 stedet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23790f5 elementor-widget elementor-widget-text-editor\" data-id=\"23790f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Tips: Sett deg inn i forsikringsalternativene i god tid for \u00e5 sikre at eiendommen din er best mulig beskyttet. Riktig beskyttelse er avgj\u00f8rende, spesielt i h\u00f8yrisikoomr\u00e5der.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2082b2d elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"2082b2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-building\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M128 148v-40c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12zm140 12h40c6.6 0 12-5.4 12-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12zm-128 96h40c6.6 0 12-5.4 12-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12zm128 0h40c6.6 0 12-5.4 12-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12zm-76 84v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm76 12h40c6.6 0 12-5.4 12-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12zm180 124v36H0v-36c0-6.6 5.4-12 12-12h19.5V24c0-13.3 10.7-24 24-24h337c13.3 0 24 10.7 24 24v440H436c6.6 0 12 5.4 12 12zM79.5 463H192v-67c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v67h112.5V49L80 48l-.5 415z\"><\/path><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b0de3d elementor-widget elementor-widget-text-editor\" data-id=\"3b0de3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: right;\"><strong>G\u00f6ring forsikringsmegler <br \/>Servicetelefon: +34 965 889 271<br \/><a href=\"https:\/\/www.goring-online.com\" target=\"_blank\" rel=\"noopener\">www.goring-online.com<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62356c7 e-con-full e-flex e-con e-child\" data-id=\"62356c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6c12c39 e-con-full e-flex e-con e-child\" data-id=\"6c12c39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-029beda elementor-widget elementor-widget-text-editor\" data-id=\"029beda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>N\u00e5r det gjelder \u00e5 beskytte eiendom p\u00e5 Costa Blanca, er det viktig med en omfattende forsikring. Spesielt etter de \u00f8deleggende stormene i regionen oppst\u00e5r sp\u00f8rsm\u00e5let om hvordan huseiere best kan beskytte sine investeringer. CBM har snakket med Thomas G\u00f6ring, forsikringsekspert p\u00e5 Costa Blanca, om de viktigste punktene n\u00e5r man skal tegne en bygningsforsikring som dekker stormskader som oversv\u00f8mmelse, storm med mer. Her kan du finne ut hva som virkelig betyr noe.<br \/>Intervju med Thomas G\u00f6ring<\/p><p><br \/><strong>\u00a0Hvilke typer stormskader <\/strong><strong>(f.eks. oversv\u00f8mmelse, storm) <\/strong><strong>er inkludert i standardpolisen til en <\/strong><strong>Bygningsforsikring for forsikret eiendom?<\/strong><br \/>Som regel er stormskader ogs\u00e5 forsikret i Spania. P\u00e5 den ene siden dekkes skader for\u00e5rsaket av regn, storm, hagl og oversv\u00f8mmelse direkte av selskapet. <br \/>P\u00e5 den annen side har Spania katastrofefondet Consorcio de Compensaci\u00f3n de Seguros, som dekker visse skader som flom, jordskjelv, vulkanutbrudd, terrorangrep, stormer med en hastighet p\u00e5 120 km\/t eller mer og sj\u00f8skjelv. Dette katastrofefondet er unikt og er generelt inkludert i alle spanske eiendoms- og personforsikringer.<\/p><p><strong>Hvor h\u00f8y b\u00f8r forsikringssummen v\u00e6re for \u00e5 dekke hjemmet mitt og hele <\/strong><strong>for \u00e5 sikre eiendommen tilstrekkelig - <\/strong><strong>Eiendomsverdi pluss X<\/strong>?<br \/>Forsikringssummen skal dekke gjenoppbygging av hele eiendommen, inkludert alle utend\u00f8rsanlegg, basseng, murer, st\u00f8ttemurer, hager osv.<\/p><p><strong>Hvis skade p\u00e5 utend\u00f8rsanlegg\u00a0 <\/strong><strong>som bassenger, hager eller terrasser ogs\u00e5 dekket?<\/strong><br \/>Ja, disse systemene er vanligvis ogs\u00e5 forsikret.<\/p><p><strong> Hvilke tiltak b\u00f8r jeg iverksette som <\/strong><strong>eiendomsbesittere p\u00e5 forh\u00e5nd for \u00e5 v\u00e6re dekket i tilfelle skade?<\/strong><br \/>Det er viktig at det tegnes en skikkelig forsikring for eiendommen, og at premien betales i tide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb8b114 e-con-full e-flex e-con e-child\" data-id=\"cb8b114\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59c3bea elementor-widget elementor-widget-image\" data-id=\"59c3bea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/costablanca-magazin.com\/wp-content\/uploads\/elementor\/thumbs\/immobilien-kauf-und-verkauf-scaled-rjc7my7coenvustjcag5zmrbpym8849l1vsfr6hai0.jpg\" title=\"kj\u00f8p og salg av eiendom\" alt=\"kj\u00f8p og salg av eiendom\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Immobilien richtig versichern: So sch\u00fctzen Sie Ihr Eigentum an der Costa Blanca CBM im Gespr\u00e4ch mit Versicherungsexperte Thomas G\u00f6ring \u2013 Was Immobilienbesitzer unbedingt \u00fcber den Schutz vor Unwettersch\u00e4den wissen sollten. Gibt es eine Wartezeit, bevor die Versicherung f\u00fcr Sch\u00e4den durch Unwetter eintritt?Es besteht eine Karenzzeit bei Sachsch\u00e4den von 7 Tagen nach Abschlussdatum oder Ausstellungsdatum der [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3324,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[984],"tags":[305,747,749,748],"class_list":["post-3323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-service-recht","tag-cbm","tag-gespraech","tag-immobilien","tag-thomas-goering"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/posts\/3323","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/comments?post=3323"}],"version-history":[{"count":7,"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/posts\/3323\/revisions"}],"predecessor-version":[{"id":4258,"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/posts\/3323\/revisions\/4258"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/media\/3324"}],"wp:attachment":[{"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/media?parent=3323"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/categories?post=3323"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/costablanca-magazin.com\/nb\/wp-json\/wp\/v2\/tags?post=3323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}