The contract is for a new damage insurance contract for buildings owned by the municipality. The insurance contract shall cover damages resulting from fire, water, theft, vandalism and other sudden and unforeseen damage. The insurance shall, as a minimum, include comprehensive cover and the following types of damage:
Fire and soot damage
Lightning strikes
Explosion/implosion/soot damage
Electrical phenomen (not IT equipment)
Natural disaster
Breaks to water pipes and sewage pipes
Interruptions of other liquid/gas supply
Penetrating surface water
Other penetration of liquid/gas
Discharge of liquid
Burglary
External and internal vandalism, including vandalism from burglary, glass in external panes and water damage resulting from burglary.
The insurance shall also cover cumulative risk where relevant, for example, several buildings that are insured in this insurance are in the same block and can be lost in the same event, e.g. from a large fire.
Municipal housing and buildings managed by the Water and Sewage Department shall have an excess of 500 000 NOK. All other buildings shall have an excess of 30 000 000 ΝΟΚ. This is clarified in the annex 4A of the contract.
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