2023-06-23 10:46:58
Summer has finally arrived. The classes for the little ones have ended, the good weather is already in the air and the long-awaited vacations have begun for some people in our country or, failing that, they are about to do so. However, many are unaware that this summer season can be a particularly problematic time, especially as far as “squatting” is concerned, since it is the time of the year when homes are left most unprotected.
The “squat” occurs when a person illegally occupies, without proper authorization, a house, property or building of another that is not a habitual residence or stays in this space against the will of its owner. This phenomenon occurs more frequently than desired, since only last year 16,726 complaints were registered for housing occupation, that is, more than 45 per day, according to data from the Ministry of the Interior.
In addition, this problem has given rise to another type of illegal occupation known as “inquiocupación”. This term that has become popular in recent years and refers to those tenants who, with a rental contract in force, stop paying rent at some point. However, even if they do not pay the rent, they remain in the home “causing damage to the landlord, who has a property for rent without receiving the corresponding rent payment,” explains the Fotocasa real estate portal.
Since this situation causes concern among the owners, there are many who decide not to rent their home, although those who have already done so, wonder what options they have to protect themselves against “inquiokupation”.
In the event that the tenant does not pay the corresponding monthly fee, the owner may use rental non-payment insurance to protect himself and be calmer, since if a person stops paying more than a certain number of monthly payments , this policy will be in charge of covering the fees to the lessor. In this sense, from the real estate portal they explain that the owner will be covered in these two cases:
Guaranteed collection of unpaid rents, since the insurer will be in charge of paying this amount to the owner. In addition, it will also provide legal protection to carry out the legal actions necessary for the tenant to leave the home and recover the unpaid rent. Rent non-payment insurance helps to select the ideal tenant with less risk of non-payment.
In addition to these basic coverages, sometimes these insurances can also protect the owner in the following aspects:
Damages caused by the tenant: in the event that the tenant causes damage to the home or causes damage, the owner will be compensated by the insurer for these damages caused by the tenant. Legal defense: this is a basic guarantee in these policies, since it includes claims related to conflicts that may occur during the contract, such as evictions due to non-payment of rents or works carried out on the property by the tenant without the authorization of the owner.
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