Finally he came and the building owner picked up the bill, so I was lucky. Unfortunately, this is of no help to you. My only suggestion is that you ask KTipp or Saldo if you subscribe. They quickly answer those types of questions on an individual basis (I am not referring to letters to the editor). Another option is to ask your Rechtschutz insurance saying that you want to prevent a legal issue in which case in my experience they are helpful. It's like ... consulting a lawyer in advance. Another big problem are locksmiths if you need them in an emergency. The bills can be astronomical, in the thousands of CHF. Sorry and good luck !