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LIVING IN SWITZERLAND

What are the laws in Switzerland if you have fireplace in your home?

A number of homes and apartments in Switzerland have a fireplace, which is a nice feature, but it does come with certain legal responsibilities.

What are the laws in Switzerland if you have fireplace in your home?
A chimney sweep will clean out any residues from your fireplace. Image by Steven Helmis from Pixabay

There is nothing cosier in cold weather than a wood-burning fireplace.

In fact, during the winter of 2022, when Russia invaded Ukraine, sparking massive energy crisis and, consequently, higher heating costs, fireplaces were used more frequently as a source of heat — that is, until the price of wood pellets skyrocketed as well

But whether used for heat or general ambience, Switzerland has strict rules concerning the cleaning and maintenance of fireplaces.  And all of them involve the black-clad figure of a chimney sweep.

Here is what you should know

Called kaminfeger in German, ramoneur in French, and spazzacamino in Italian, you can’t avoid the presence of a chimney sweep if there is an active fireplace in your home.

Nothing is cosier than a fireplace in a home. Photo: Pixabay

Whether or not he (or she) really brings good luck is debatable; what is certain, however, is that if one shows up at your doorstep carrying various  rods, brushes, and vaccums, you have to let them in.

That’s because anyone who has a fireplace in their home (or a wood-burning stove, which is quite rare these days) must have it professionally cleaned periodically — usually once a year — by a chimney sweep who is officially recognised in your canton.

Usually, you will receive a note in your letter box letting you know the date and time when a chimney sweep will come to your home. If that particular date is not convenient, you can call or email the company to change the appointment.

You cannot, however, refuse to have the fireplace cleaned — not only because it is against the law, but also because you’d be putting your and your family’s health and safety at risk.

This is why:

Over time, an active fireplace gets clogged with built-up soot and dust, including a debris called creosote, which is not only toxic but highly flammable as well.

It is important to remove these materials so they don’t cause any damage.

That’s the most common scenario, but some people were surprised (and not pleasantly) to see parts of dead birds and other animals stuck in their chimneys, which were discovered during the cleaning process.

So having your chimneys and fireplaces cleaned once a year (or whatever frequency your canton requires) is a good thing; refusing to do so can result in a fine, the amount of which will be determined by your municipality.

What happens when a chimney sweep comes to your home?

If you are concerned that your house will be dirtied during the process, don’t be.

Chimney sweeps come equipped with protective sheets which they spread on your floors around the fireplace, and they will vacuum up any residues afterwards.

They will begin from the flue — a duct through which smoke leaves your fireplace —  and work their way up, ending up by the chimney on the roof.

How much does the ‘sweep’ cost and who pays for it?

The price is determined by the canton, and usually costs several hundred francs for a standard clean-up.

If unforeseen problems are discovered during the process, the chimney sweep will let you know the additional cost. Always get it in writing though, never just verbally.

As to who pays for this service, if you own your dwellings, then you will have to pay. If you are a tenant, your landlord will, unless your rental agreement states otherwise.
 

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For members

LIVING IN SWITZERLAND

Which Swiss insurance policies are essential… and which ones don’t you need?

Switzerland’s insurance providers offer dozens of various coverage options to the country’s residents. How can you know which ones you really need and which are redundant — or overlapping?

Which Swiss insurance policies are essential... and which ones don't you need?

You may have heard it said that Swiss are such happy people because they have insurance against every possible (and even unlikely) hazards. They just don’t like to leave anything to chance.

One such example is the ‘hole-in one’ golf insurance, which is explained in detail here

It is therefore fair to say that while some policies are good to have, others are useless for most people.

How do you distinguish between the ones you need and don’t?

First let’s have a look at insurance that you must have, so it is not a matter of choice but of law:

  • Basic health (KVG / LaMal) and accident insurance
  • Auto / vehicle insurance
  • Buildings insurance (in most cantons)

These articles  provide more information about these obligatory coverages:

Now let’s move to insurance policies that are not mandatory but worthwhile to have:

First, household contents insurance

It is a good insurance to have and here’s why:  it will protect your personal property in your home or rented apartment against fire, water, theft, and other damages.

Personal liability insurance

This policy kicks in when you or anyone living under the same roof who is included in your coverage, causes damage to another person or their possessions. 

For instance, you accidentally spill coffee on an expensive rug in someone’s house, causing damage to it which requires either professional cleaning or replacement.

Of if your child kicks a ball into a neighbour’s yard and breaks the gate, that too would be covered by a liability insurance.

In other words, any time you or a member of your household (including your dog) damages or destroys someone’s property, your liability insurance will cover it in most cases.

Note that often the two insurances — household contents and personal liability — are combined, so check to avoid buying overlapping coverages.

Travel insurance

If you never leave home, then you probably don’t need to spend money on this insurance.

But for everyone else, it is a good idea.

You can benefit in two ways from this type of insurance: one, it will refund costs of your trip if you have to cancel due to illness, death in the family, or other reasons that prevent your from travelling on an already booked trip.

Secondly, if you have an accident while travelling abroad, basic health insurance may not fully cover the costs incurred. Depending on the country you are in and the treatment you need, it can be very expensive.

It covers medical emergencies and rescue costs abroad. And, it also pays for medically necessary repatriation to Switzerland. Basic insurance only covers transport to the nearest hospital.

Legal insurance

Most people in Switzerland have it, but it is really up to you to decide whether you want to buy this policy or not.

It covers attorney and other associated fees if you undertake court action against someone, are sued, or simply need legal advice.
There are two different types of legal protection insurance — one specifically for traffic accidents and the other for all other matters. Sometimes they are combined.

Typically, this insurance covers costs of legal representation associated with contract disputes, employment, loans and debts, healthcare, housing, retail purchases, and travel.

It is one of those insurances that most people will likely never need, but if they suddenly do, it can save loads of money.

READ ALSO: Why you need ‘legal protection insurance’ in Switzerland 

Complementary health insurance

If you are satisfied with the coverage of the basic insurance, and are not into any ‘extra’ treatments, then you probably don’t need this policy.

Many people in Switzerland do take it out simply because it offers services that are not covered by KVG / LaMal, such as alternative medicine and wellness treatments. 

Even more importantly, it will pay (though only partially) for dentists and eyeglasses, the (uninsured) costs of which can add up to quite a lot.

By the same token, you don’t really need a private option on your health insurance if you are happy with the treatments and level of care offered by the basic model.

Both are nice to have (if you can afford them) but you don’t absolutely need them.

READ ALSO: Is the high cost of Swiss private health insurance worth it? 

What about insurance you probably won’t need?

According to Moneyland consumer platform, you can do without these coverages: 

Mobile phone insurance

It is not so much the matter of not needing to protect your smartphone, but the fact that any damage to it is likely already covered by your household contents insurance.

Car passenger insurance

Passenger insurance is offered as an optional supplement for mandatory third-party liability car and motorcycle insurance.

According to Moneyland, “it is normally not worth getting this insurance because passengers who live in Switzerland are already insured against accidents – either through their mandatory health insurance or through their employer-based accident insurance.

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