Insurance claim reduced by building depreciation only if sum insured was based on actual value at contract date.
Poland (PL)
Legislator summary
AI generatedThe court ruled that an insurance claim can be reduced by the building's actual depreciation only if the sum insured was calculated using the actual value on the contract date. The insurer argued for a reduction based on the building's condition at the time of the loss, while the insured contended the sum insured should reflect the value at the time of the accident. The court decided that the reduction applies solely to the period between liability inception and the loss, contingent upon the initial valuation method used.
Legislator headnote
AI generatedArt. 10 ust. 1 Kodeksu cywilnego; Art. 10 ust. 2 Kodeksu cywilnego: A reduction of the insurance claim by the actual depreciation of the insured object is permissible only for the period from the date liability arises to the date of the loss, provided the sum insured was determined based on the actual value accounting for the building's depreciation at the time the contract was concluded.
Keywords
AI generatedCited Legislation
AI generatedFull text
Możliwość pomniejszenia odszkodowania o stopień faktycznego zużycia budynku istnieje tylko za okres od dnia powstania odpowiedzialności zakładu ubezpieczeń do dnia szkody, o ile suma ubezpieczenia ustalona została według wartości rzeczywistej uwzględniającej zużycie budynku na dzień zawarcia umowy.