Tenant's Guide: Dispute or Appeal in Sweden
What does insurance cover and who is responsible for repairs?
As a tenant in Sweden you may have both responsibilities and rights regarding damage in the home. Home insurance often covers personal belongings and certain costs after damage, while the landlord is responsible for the building's condition and major repairs under the Swedish Code of Property (Jordabalken). [1] If responsibility is unclear, it is important to document damage, agreements and communication so you can dispute decisions or request actions.
When and how to dispute an insurance decision
If the insurer rejects or limits compensation you can formally dispute the decision. Start by collecting evidence and requesting a written justification from the company. Record dates and save all correspondence.
- Collect photos, receipts and correspondence as evidence.
- Request written justification and the claim form from the insurer.
- Note deadlines for appeals and renew information within stated days.
When the landlord does not repair
The landlord's maintenance and repair duty covers issues that affect habitability and safety. If the landlord does not fix defects you must make a clear written request. If the problem persists you can apply for review at the rent tribunal. [2]
- Send a written fault report and request a written response.
- Follow up with photos and date-stamped proof that the defect remains.
- Apply to the rent tribunal if the landlord does not act within a reasonable time.
Frequently Asked Questions
- What does my home insurance cover compared to the landlord's responsibility?
- Home insurance usually covers personal items and certain costs after damage, while the landlord is responsible for building maintenance and fixed installations by law.[1]
- How long do I have to dispute a decision?
- Deadlines vary by insurance terms and legal procedures; note all dates and act quickly to avoid missing appeal periods.
- When should I contact the rent tribunal?
- Contact the rent tribunal if the landlord does not make necessary repairs after a written request or if you cannot agree on who is responsible.[2]
How to
- Document the damage with photos, dates and a list of lost or damaged items.
- Notify the insurer in writing and request full justification and any forms.
- Keep track of deadlines for appeals and record when you sent documents.
- If the landlord does not fix the issue, apply for review at the rent tribunal and attach documentation.
- If enforcement is needed contact the Enforcement Authority for information on collection or assistance.[3]
Key takeaways
- Document everything in writing to strengthen your case.
- Keep track of deadlines and act promptly.
Help and Support / Resources
- Jordabalken (1970:994) 12 kap. Hyra — riksdagen.se
- Application to the Rent Tribunal (HN1) — domstol.se
- Enforcement Authority — enforcement and collection
