A deduction is made from any compensation paid based on the statutory indexed excess. If a third party is responsible for the damage, it may be possible to recover this excess from the liable third party. That excess – that is also found in the classic family policy – is around 250 euros (09/2016).
Naturally, the Syncura policy also has this excess but in the Syncura policy, it is not applied if the cause of the damage is located in the common parts of the building. If, for example, water damage occurs in the corridor on the top floor due to a roof leak, the consequential damage will be compensated without applying the statutory excess.