Hundreds of cars in the garage were flooded and the property refused to pay compensation. Who should be responsible for the property insurance company?

Everyone must know the news of the recent rainstorm in Guangzhou, and various events caused by the rainstorm have also broken out frequently. In addition to the news that the truck driver died a few days ago, there is another news that has caused extensive discussion on the Internet. That is, the rainstorm in Guangzhou flooded hundreds of owners' private cars in a residential garage, but for the owners who suffered such heavy losses, the residential property refused to pay compensation on the grounds of natural disasters, which caused widespread dissatisfaction among the owners of the residential area. So who should be mainly responsible for this matter in the whole incident?

0 1. Has the property fulfilled its due responsibilities? Many people's first reaction to this incident is that the property should be compensated. After all, the place where this tragic incident happened is within the jurisdiction of the property. But for this property owner, it will be considered as a natural disaster, and it is really unreasonable to find their own compensation. After all, they have no ability to stop the heavy rain. But in fact, legally speaking, the responsibility of the property depends on the situation.

For the property owned by the community? Natural disasters are unpredictable? The rhetoric that caused such a huge loss is actually untenable in many ways. In recent days, the news about the rainstorm in Guangzhou has warned the whole city, and the property has every opportunity to remind the owners of the community to pay more attention to their vehicles. If the property didn't do anything before and after the rain, didn't take certain drainage measures, and didn't remind the owner, then the property compensation is natural, because the owner didn't get the service he deserved when he paid the high property fee every year.

On the other hand, if the property has done its best to help the owner with flood control, such as opening the nearby drainage manhole cover while observing the rain, setting flood control sandbags at the entrance, and reminding the owner of the possible consequences of excessive rain through various channels. After doing what these properties should do, if the water can't be stopped from pouring into the underground garage, then the property's responsibility for this is quite small, and there is no need for compensation in law.

02. Should the insurance company pay for it? Since the property is not responsible for this incident, can the loss of the owner be compensated through the insurance company? In fact, whether the insurance company can compensate depends on whether the owner has purchased relevant insurance. On the one hand, if the owner is willing to spend money on his car, he can make relevant claims to the insurance company after purchasing all insurance. For car owners who have not purchased all insurance, they can also apply for water-related insurance reimbursement.

However, most people basically don't buy this kind of insurance. After all, when buying a car, who would have thought that one day his car would be flooded in the garage? So from another perspective, the owner of this incident can be said to be quite unlucky. After all, it is unrealistic to find full responsibility.