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Art. 19 : Gesetz über die Gebäudeversicherung (GebVG)

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Art. 19

Die Gebäude sind ferner versichert gegen Schäden, die ent- Elementar-

standen sind durch

1. Sturmwind,

2. Hagel,

3. Überschwemmung infolge von Niederschlägen,

4. Lawinen, Schneedruck und -rutsch,

5. Steinschlag,

6. Erdrutsch.

← Art. 18 Gesetz über die Gebäudeversicherung (GebVG) Art. 20 →

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Gerichtsentscheide zu dieser Bestimmung (7)

BRGE.IV.Nr.0047.201 · zh (§ 19 Ziff. 2 GebVG)
Awnings, Hail Damage, and Failure to Retract
This provision defines damages caused by hail as insured 'natural hazard damage', but the court found that the exclusion in § 20 Ziff. 3 GebVG applied.
BRGE.IV.Nr.0039.202 · zh (§ 19 Ziff. 3 GebVG)
Insurer Upheld in Denial of Flood Claim Due to Subsurface Water Entry and Foreseeable Damage
The appeal was dismissed because the damage did not constitute an insured flood damage according to this provision.
BRGE.IV.Nr.0041.202 · zh (§ 19 Ziffer 1 und 2 GebVG)
Property Owner Denied Awning Damage Coverage Due to Lack of Covered Peril
These provisions define insured damages, specifically relating to storm wind and hail, which were the alleged causes of the damage.
BRGE.IV.Nr.0020.201 · zh (§ 19 GebVG)
Insurer Liability for Sun Blind Damage Following Foreseeable Hail Storm
Cited in relation to determining whether the damage falls under the definition of insured elemental damages.
BRGE.IV.Nr.0069.201 · zh (§ 19 Ziff. 1 GebVG)
Insurer Successfully Denies Storm Damage Coverage Based on Faulty Construction Exclusion
The court confirmed that the wind event qualified as an insured elemental damage cause, but ultimately concluded that the exclusion in § 20 Ziff. 3 GebVG applied, meaning the damage was not covered under this provision.
BRGE.IV.Nr.0077.201 · zh (§ 19 Ziff. 3 des Gebäudeversicherungsgesetzes (GebVG))
Insurance Coverage for Basement Water Damage
The final orders implicitly confirm the lower court's decision that the damage did not constitute an insured event under this provision (water damage from surface flooding).
BRGE.IV.Nr.0029.201 · zh (§ 19 GebVG)
Insurer Refusal Upheld: Hail Damage Exclusion Due to Poor Maintenance
This provision establishes that damages caused by elemental events, such as hail, are generally covered by insurance.