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building insurance contract aktuallisieren just do not?

On Friday I had an interesting conversation with a colleague from the Provincial.
A client of Him, we call him once Mr. Marks, in 2000, and 2004, 2008, and 2010 responded to the reorganization of the buildings insurance. It discussed the changes in the policy conditions, particularly the clean-up demolition of movement and protection costs.
in the current contract (VGB 88) only 5% of the sum insured and is not insured decontamination of soil.
In the new conditions this damage with 100% of the sum insured.

But something has also deteriorated: the risk of outlet pipes outside the building was insured and no longer automatically an extra confinement costs 140 € bonus.
Now the customer decided against the reorganization of the contract.

I want this do it again clearly:
I am talking about a building which has a value of 20,000 in 1914 and where Mark has
for a total loss, such as a fire, only 15,000 € for the disposal of the contaminated soil by including the quenching of the fire water are available.

Why I write this in such detail?
Well, it's exactly what happened I have outlined above, a fire has resulted in a total loss (Short Note: The Westphalian county has about 30 total losses each year).

The tragic consequence is now the manufacturing model for the disposal after the fire had to pay € 90,000, but had assured only 15,000 €. The
Drainage pipes at issue here was, incidentally, were only assured me € 2,500.

There are now two ways for Mr. pattern:

1. The missing money is financed by the Bank
2. Mr. Marks increases from the 300,000 € which he has insured the building, the lack of € 75,000 for disposal.

If you are not sure how this is agreed with your insurance, you simply take your documents and make an appointment with my office.

Many greetings and thanks for your time
your
Andreas Piechel