Katrine-Sofie and Rasmus was about to bubble over with happiness and forventningsglæde, since, in 2016 signed on the purchase agreement for your present house in new york. They had then Klara in two years and plans for a little brother or sister, so the desire for more space for an active family life could now come true.

the House had been for sale for a long time. The seller had rectified a few points in the now old progress report, and the couple was therefore given a new and up to date to relate to. In it there were still a few K3’s are something cracked plaster outside.

It frightened not paired, who want to put their own stamp on the house. They were quiet for tilstandsrapporten reported to the seller in 2005 had put a new roof on and the windows were sound, and that both had a minimum of 10 years back.

– As we need to draw a ejerskifteforsikring, we prefer the company, where we have our other insurance policies. We have always been very happy with them, so even though they are not the cheapest on the market, we are not In doubt. We also choose the extended model, we know that we just need to kratte in the walls. And who knows what we will find there, says Katrine-Sofie.

Insurance, when you buy dwelling

She contacts a købermægler, which can be on the couple’s side and help them through the buying process. The broker sends its own advice, there goes the house through, and the message reads: ‘Everything is fine – but a little worn.’

Then helps købermægleren paired with the legal papers and get the seller down a little in price. All is well.

the Couple moves into the house in december 2016. A rainy Tuesday in January 2017 download Katrine-Sofie Klara in the nursery. It pours down outside, why the rush home in the shelter. They quickly get the boots and rainwear and going dry into the living room. But suddenly they get wet socks.

– It was pretty strange that there was wet on the floor next to the couch, but I was tired and yesterday just in time to dry up. Only when I lie on the floor with the cloth, I sense that something is wrong.

– I look up towards the ceiling, which is very wet, and I can see that there are many more water droplets on the way down toward me. I call immediately to my father-in-law in Aalborg and yell, literally ‘help’ into the phone, telling Katrine-Sofie.

Father-in-law is, however, fairly quiet. He believes it must be driving rain, and advises her to put a bucket under the drops. They take it quietly, for they have the character of an extended ejerskifteforsikring.

The contacts, therefore, the insurance company, who will send an appraiser out, and he thinks also, that it must have been the driving rain that has penetrated into the pga. lack of skumklodser in tagrygningen – ‘for them birds are good picks out of time’, he explains. To replace them is cheaper than the deductibles, as it will get the pair done.

Huseftersynsordningen – progress report and elinstallationsrapport

Katrine-Sofie and Rasmus are aware that ståltaget is a tag in the ’the cheaper end’. So just to know what a new tagbelægning will cost, ask the three workmen come out and give a bid.

– the First craftsman is quite clear in the saliva and says to us, that the roof is in such poor condition that it is a ejerskiftesag, and that he will not touch it. There are no eaves, and it is, to say the least to call put and in violation of the installation instructions, yes, it is, in fact, directly illegally mounted, tell the tradesman’s.

– It shocks us. We could see, it was ugly, but there was nothing of its defective condition in tilstandsrapporten, says Katrine-Sofie.

A few weeks later, it is svigerforældrene on the visit, and the family gathered about the breakfast, when it suddenly again starts to drip down the middle of the table between rolls and juice. Father-in-law says again something about the driving rain, and everyone is looking out in the garden, where there is no wind is stirring.

the dangers of all of up and running confused around. Katrine-Sofie and Rasmus take pictures of the water, dripping, and the extremely calm weather outside. Father-in-law takes to his head and says that it simply can’t be true.

– I’m calling to købermægleren, who says that it sounds like a larger case. He recommended us to contact a forsikringsrådgiver, which will be able to guide us through the now completely different and far more serious situation. Forsikringsrådgiveren send a byggesagkyndig out, that go through our house, and he is somewhat shocked.

– He makes a long list of things that should have been in the tilstandsrapporten, and that we get our biggest shock. For had we known all the things about our house, we had never ventured to buy it, finds Katrine-Sofie.

Forsikringsrådgiveren takes hold of the insurance company and handle all communications about the case. The insurance company sends their appraiser out and recognizes the case. However, without specifying a specific amount and without a proper well founded, as the company argues, that they first have to run regressag on the byggesagkyndige, who initially crafted the flawed progress report for the seller’s broker.

It takes 10 months. While the idea of the pair not, whether they ever see the shadow of money to repair the roof. It’s raining still down in the house, for they do not repair the damage, while the case is running. On the ceiling is there are now lots of buckets to collect rain water, and in the evening are the couple in the double bed and listening to the regndryppene and hope that the buckets can accommodate a night’s water.

the insurance company informs that it is a mistake to even have been allowed to draw a ejerskifteforsikring with them, because the byggesagkyndige behind tilstandsrapporten has shown udygtig and inadequate, and has been involved in similar cases.

– At the time I was pregnant with our second child, and it is combined with the uncertainty about our case, and such fear of being in our house overshadowed everything. I was very anxious, remember Katrine-Sofie.

buying a home: advice before you buy your first home

At a time get the pair message on, that they have been unsuccessful in the case, as the insurer and the byggesagkyndige has reached a settlement, which gets the couple to open a bottle of champagne. Then you need to make an offer on a new roof, and the insurance company sends a contractor out to stand for this.

Forsikringsrådgiveren and the consulting engineer stands hereafter for all project management and coordination with the insurance company and have won. It continues through the entire construction process.

– I dare not think of what we had done without our advisors, and without a decent insurance company. The consultancy has a total cost us about 25,000 kr., and it is absolutely the best money we have spent in connection with house purchase, says Katrine-Sofie, who, together with her husband can rejoice that the scaffold is now taken down, and that the house has got a new tagpaptag.

But it has been a grueling and resource-intensive process, where the parallel to fit job and children has been concerned over how the matter would end.

– As a consumer and homeowner, I feel so lost. Think that it is possible to sell a house with a hole in the roof without a single note about it in the tilstandsrapporten. That you can’t even rely on the documents that come with the deal – what I think is a big problem, that makes it hugely utrygt to be a customer in the housing market.

– But I am glad that we drew a ejerskifteforsikring, and we chose a decent company, although it has subsequently taken two years to get started with the new tag, ends Katrine-Sofie.

8 things you need to check on if buying a house

Facts about Bolius

Bolius – the Homeowners ‘ knowledge Centre is owned by Realdania.

Bolius is an independent non-profit organisation, which aims to convey the knowledge to the homeowners. Bolius does not sell products or services.