The process is built the way a condominium decides: the materials are made for the general meeting, the deadlines follow the renewal date, and the story doesn't end at signing.
A 20-minute conversation with the manager or the managing agent: where things stand, what the goal is, when the renewal date falls. Then a short data list from the building's documents – floor areas, structure, systems, claims history, current policy.
I request quotes from several insurers for the building's data. I don't collect brands – I collect content: scope of cover, sums, deductibles, limits, exclusions – along the same criteria.
The result is a single, clear, meeting-ready comparison table with strengths and weaknesses – plus my view on what the professional arguments favour. The decision is not mine.
The decision typically belongs to the general meeting. I supply the materials: a draft resolution, an owners' Q&A, a short summary – so the agenda item runs smoothly. The building's own rules (SZMSZ) govern the procedure.
After the decision I handle the paperwork: finalising the quote, policy issue, and in a switch, timing the notice so the building is not uncovered for a single day. The documents go into the building's archive.
In a claim, the primary route is the insurer's claims line and online portal – I help you get started; if a case stalls or becomes disputed, I help the building. At renewal: a review, if it's warranted or you ask – sums, claims record, indexation.
The process follows the building's rhythm: with a live policy, it is worth timing the tendering to the renewal date; without one, arranging cover comes first. The switching rules are in a separate article: how switching works.
The manager's active time is typically a few hours in total: one conversation, assembling the data list from the building's documents, then the meeting agenda. Collecting the quotes and building the table typically takes 1–3 weeks, depending on the insurers' response times. The most important timing rule: when switching, start well before the renewal date – an open-ended policy can typically be cancelled at renewal with a notice period; the spring meeting season is a good occasion.
A quote request needs the building's basic data – the data-list article shows what and why. I don't ask for residents' personal data for the tendering; contact runs through the manager or the managing agent. The advice is free of charge: the intermediary's remuneration is paid by the insurer, and the right to decide always stays with the community.
Free of charge, no obligation – by the end you will see the options and the next step clearly.