Krista sold her apartment in 2024.
She received a letter from the insurance company in October.
The insurance claimed 2500 euros for damages.
The damage occurred in December 2023.
Water damage appeared in the apartment below.
Krista's apartment was located above it.
The insurance stated that Krista's apartment caused the damage.
Krista disagreed.
She asked why the claim only came now.
The insurance responded that they have the right to claim money within three years.
Krista's apartment was insured with Ergo.
The insurance ended in September 2023.
The insurance filed the claim almost two years later.
Krista thought the water might have come from the roof.
This can no longer be proven.
Ergo said that claims can be filed for up to three years.
If notified later, it's difficult to gather evidence.
Consumer protection cannot help in such matters.
The claimant must prove the claim.