862.1 GEBVGLABLASSED

CH-ZH

Art. 20 : Gesetz über die Gebäudeversicherung (GebVG)

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Art. 20

Keine Elementarschäden sind Schäden,

1. die nicht durch plötzliche Einwirkung von Naturgewalten entstan-

den sind, wie Feuchtigkeitseinwirkungen, Bodensetzungen, Frost-

schäden,

2. die verursacht wurden durch Stauseen oder sonstige künstliche

Wasseranlagen, wie Rückstau aus Kanalisationen,

3. die voraussehbar waren und deren Entstehung durch zumutbare

Massnahmen hätte verhindert werden können, wie Schäden zufolge

schlechten Baugrundes, unfachgemässer oder unsolider Bauausfüh-

rung oder Abdichtung, mangelhaften Gebäudeunterhalts.

schäden

Ausschlüsse

← Art. 19 Gesetz über die Gebäudeversicherung (GebVG) Art. 21 →

Gerichtsentscheide zu dieser Bestimmung (8)

BRGE.IV.Nr.0047.201 · zh (§ 20 Ziff. 3 GebVG)

Awnings, Hail Damage, and Failure to Retract

This provision excludes coverage for damages that were foreseeable and could have been prevented by reasonable measures, which was applied to deny compensation for the damaged awning.

BRGE.IV.Nr.0039.202 · zh (§ 20 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 § 19 Ziff. 3 GebVG in conjunction with this provision.

BRGE.IV.Nr.0039.202 · zh (§ 20 Ziff. 3 GebVG)

Insurer Upheld in Denial of Flood Claim Due to Subsurface Water Entry and Foreseeable Damage

The presence of an insured elemental damage was also excluded because the damage was deemed foreseeable and avoidable under this provision.

BRGE.IV.Nr.0020.201 · zh (§ 20 Ziff. 3 GebVG)

Insurer Liability for Sun Blind Damage Following Foreseeable Hail Storm

This provision establishes the exclusion ground because the damage was foreseeable and preventable.

BRGE.IV.Nr.0069.201 · zh (§ 20 Ziff. 3 GebVG)

Insurer Successfully Denies Storm Damage Coverage Based on Faulty Construction Exclusion

The appeal was dismissed because the damage exclusion clause for foreseeable damage that could have been prevented by reasonable measures, specifically due to improper construction, was found to apply, leading to the conclusion that no insured elemental damage occurred.

BRGE.IV.Nr.0077.201 · zh (§ 20 Ziff. 2 GebVG)

Insurance Coverage for Basement Water Damage

The damage was deemed equivalent to an uninsured backup from a sewer system under this provision.

BRGE.IV.Nr.0029.201 · zh (§ 20 Ziff. 3 GebVG)

Insurer Refusal Upheld: Hail Damage Exclusion Due to Poor Maintenance

This provision was used to deny coverage for damages that could have been prevented by reasonable measures (i.e., timely replacement of the worn-out roof membrane).

VB.2016.00368 · zh (§ 20 Ziff. 3 GebVG)

Storm Damage Exclusion for Unsound Construction

This provision establishes the exclusion ground (foreseeable damage/damage preventable by reasonable measures) which the court applied to reject the claim.