Property compensation for flooded vehicles in underground garage

Legal analysis: 1. The insurance company shall be responsible for the compensation for the losses caused by natural disasters of the insured motor vehicle. In an underground parking lot like this, the car is damaged because of the accumulated water in the parking lot, which meets the claim conditions of car damage insurance. 2. In addition, paying parking fees to the property company forms a legal relationship with the property company. At this time, as a car keeper, it is obliged to predict the weather changes, foresee the damage and notify it in time, and then take necessary and reasonable risk removal, emergency rescue and remedial measures. If the property management company fails to take preventive measures and fulfill the necessary care or management obligations, it will cause vehicle damage. 3. At the same time, the water inflow into the underground garage may also be related to the developer's design or construction not meeting the requirements. A very important facility in the underground parking lot is a drainage system, which can discharge the waterlogging disaster caused by the generally predictable rainstorm. If the drainage system can't meet the drainage needs at the beginning of the design, resulting in the damage of the underground garage water filling wheel, then the owner who has purchased the underground parking space can ask the developer to bear certain compensation liability according to the relevant laws.

Legal basis: Regulations on Property Management

Article 35 A realty service enterprise shall provide corresponding services in accordance with the stipulations of the realty service contract. The realty service enterprise fails to perform the realty service contract, causing personal and property safety damage to the owner, and shall bear corresponding legal responsibilities according to law.

Fifty-first water supply, power supply, gas supply, heating, communications, cable television and other units shall bear the responsibility for the maintenance and conservation of related pipelines and facilities in the property management area according to law. If the units specified in the preceding paragraph temporarily occupy or dig roads and sites due to maintenance, they shall promptly restore the original state.