Moving house: Tips for handling tenant damage

Zügeltermin: Zahlt die Versicherung Mietschäden? Zügeltermin: Zahlt die Versicherung Mietschäden?

In most cantons, 31 March, 30 June and 30 September are the official moving dates. The boxes have finally been packed, the apartment has been cleaned from top to bottom. But then the landlord makes a note of one defect after another during the handover. Who pays the costs?

Tenants are only liable for excessive wear and tear

All tenants leave behind signs of wear and tear on the walls, floors and built-in appliances when they move out.
The cost of normal wear and tear (dark marks left on the wall by pictures, filled-in nail holes, small scratches on the flooring, etc.) is included in the rent and must be paid for by the landlord. If the damage is caused by excessive wear and tear, the tenant is liable. Examples include:

  • drawing on the walls by children, yellow stains on the walls from cigarette smoke, mould
  • defective pipes in the bathroom or kitchen
  • crack in the wash basin
  • cat flap in the balcony door
  • large or deep scratches on parquet flooring

Our tip: Watch out for inflated claims. Damage should be compensated at the current value and not the new-for-old value.

When does personal liability insurance pay?

The tenant's insurance covers normal damage that is caused by negligence or a lack of reasonable care (walls painted on by children, a crack in the wash basin, deep scratches on parquet flooring).

The insurance does not pay for damage that is caused by gross negligence, occurs gradually (yellow stains on the walls from cigarette smoke, mould) or is knowingly accepted (cat flaps).

What if I need to make a claim?

Call your advisor at your designated CSS agency as soon as possible. They'll discuss what happens next with you.