Glued or loose · tenant's interest · owner's interest

Is a PVC floor buildings or contents?

With floors, the fixing is decisive: glued down belongs to the property, loose-laid to your belongings.

Deze pagina in het Nederlands: Is een pvc-vloer opstal of inboedel?.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

Work out for yourself what it would cost.

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

Glued or click-together

A glued vinyl floor is a permanent fixture and therefore belongs to the structure. A click-fit flooring laid loose on underlay strictly speaking is not, but insurers assess that differently.

Ask how your insurer sees it and have that recorded. With floors costing several thousand euros it is worth it.

In a flat

What you had laid yourself is owner's interest: it is fixed in place and therefore not contents, but the VvE policy usually covers only the structural condition.

Include it as a section on your home contents insurance, or check whether the VvE has arranged this collectively.

In a rented home

A floor you had laid as a tenant is tenant's improvements. Your landlord's policy does not cover it; include it on your home contents insurance.

Where things go wrong

With water damage from above, the floor is often the most expensive part of the loss. If it has not been declared anywhere, it falls between the policies.

Within Opstalverzekering

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Frequently asked questions

This is what people ask us most.

Is a glued vinyl floor part of the structure?

In an owner-occupied home usually yes. It is a permanent fixture.

And a click-together floor?

That is laid loose; insurers assess it differently. Ask and have it recorded.

What about in a flat?

Then it is the owner's interest. The VvE policy usually only covers the shell of the building.

What if I rent?

Then it counts as tenant's improvements; include that on your home contents insurance.

Why does it matter?

With water damage the floor is often the most expensive item. Not declared anywhere means paying yourself.

How do I arrange it?

Declare the value as tenant's or owner's interest on your home contents insurance.

What is covered and what is not

What is covered

Situation	Extended	Comprehensive
A glowing piece of charcoal rolls out of the fire and burns a hole in the floor	Provided that	Yes
You move a bookcase and drag a deep scratch across three lengths	No	Provided that
The floor buckles because the underfloor heating was set too high all winter	No	No
A Christmas tree falls over, the water reservoir empties and the joints swell	Yes	Yes
During a burglary the floor is damaged by furniture knocked over	Yes	Yes
After two years the floor comes loose because the adhesive used turned out to be unsuitable	No	No

Floor damage is almost always paid per damaged area, not per room. A colour difference with the remaining part is not damage in its own right.

Is a PVC floor buildings or contents?

Glued or click-together

In a flat

In a rented home

Where things go wrong

Read more

Within Opstalverzekering

Similar pages

Service

Frequently asked questions

What is covered and what is not

Is a PVC floor buildings or contents?

Glued or click-together

In a flat

In a rented home

Where things go wrong

Read more

Within Opstalverzekering

Similar pages

Service

Frequently asked questions

What is covered and what is not

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