La încheierea poliţei agentul de asigurare nu cere clientului autorizaţia de construcţie sau autorizaţii pentru modificările făcute în locuinţe. În schimb, la o eventuală pagubă din cauza riscului asigurat, este posibil ca firma de asigurări să refuze despăgubirea pe motiv că locuinţa este în zonă inundabilă, sau în cazurile în care au fost făcute modificări privind structura de rezistenţă a imobilului, spun firmele de asigurări, care nu vor să-şi assume riscuri prea mari.
Totuşi, unele companii de asigurări şi-au instruit agenţii să nu încheie poliţe obligatorii pentru locuinţele din zonele inundabile. Pe de altă parte, numărul poliţelor obligatorii pentru locuinţe emise până la 31 martie a depăşit 481.000 de contracte. „Portofoliul PAID de la sfârşitul lunii martie arată că au fost încheiate asigurări obligatorii pentru 5,74% din locuinţele din România, prin raportarea numărului total de poliţe la fondul locativ existent, de aproximativ 8,4 milioane de locuinţe”, a declarat directorul general al PAID, Marius Bulugea.
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