Have you lodged an objection as a precaution even though there is no contract?

This concerns a claim for damages against an insurance company as a tenant of an apartment.

A built-in closet was damaged. Its color coordinated with the rest of the home's furnishings. The expert decided to modify it, contrary to the previous design. The interior beams of the closet and the hinges were updated to meet current standards and replaced. Furthermore, the doors were replaced due to the color scheme. The insurance company will pay the landlord €150 via bank transfer. However, the tenant is the contractual partner, and he is initially entitled to the full amount. Furthermore, the matter was referred to the insurance ombudsman. The decision itself resulted in the insurance company's approval. Old for new, resulting in a deduction.

Contrary to a ruling by the Higher Administrative Court, a contrary ruling, which did not agree with the wording “old for new”,

First of all, thank you.

BBC