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A roof structure is in danger of collapsing when the snow load on the roof is distributed unevenly. Snow builds up easily, e.g. between parallel gable roofs or arched roofs. A great amount of snow can also accumulate on flat roofs.

Lessons from Losses 1/2010. ‘It’s not over till the fat lady sings’ is a phrase that could well express the aim of If’s recourse activities: a customer suffers damage, we pay out compensation in accordance with the insurance agreement. However, the financial result of the claim may not be established until we carry out a recourse process, ie that we have assessed the possibility of recovering the amount from someone who may have caused the damage or is otherwise responsible for compensation for the incident. Recourse is thus a natural part of our customer relations, and it is the final result which is significant when we – both insurance company and customer – add up our respective damage costs.

Lessons from Losses 1/2010. “It is not over until the fat lady sings” är ett ordspråk som skulle kunna uttrycka ambitionen i Ifs regressverksamhet: kunden drabbas av en skada, vi utbetalar ersättning i enlighet med försäkrings-avtalet. Det ekonomiska skaderesultatet kan dock inte fastställas förrän vi genomfört en regressprocess dvs. att vi har bedömt möjligheten att återkräva beloppet från någon som eventuellt vållat skadan eller annars är ersättningsskyldig för det inträffade. Regressen är således en naturlig del i vår kundrelation och det är det slutliga resultatet som är av betydelse när vi – både försäkringsbolag och kund – ska summera våra respektive skadekostnader.

Lessons from Losses 8/2009. In addition to the normal property insurance that covers fire, water, and burglary, it is possible to take out additional machinery insurance on equipment regarded as important for operations. Unfortunately, there are sometimes cases where the insurer and the insured have differing ideas as to what such insurance can be expected to cover.