Steps to follow to claim insurance damage flooding in Spain.
An extreme ‘Gota Fria’ –meaning ‘Cold Drop’– delivers Spain’s most Severe Storm in over a Century and it has battered practically ALL of Alicante province this week. A succession of frigid polar fronts drove temps some 16C below-average across vast swathes of the country, brought torrential rain and floods to many, and even spawned a tornado in Alicante.
7 days to submit the claim
The insurance companies will be
receiving a significant number of claims within the next few days, as those
affected have a period of seven days to report the claim.
First, in case you might be affected by the disaster, you will need to contact your insurance company, and they will forward your claim to the “Insurance Compensation Consortium”. (the Spanish government disaster fund).
Likewise, you can also contact the Consortium directly by submitting the corresponding request, either by calling 900 222 665 or 952 367 042 or online. If compensation cannot be requested by any of the aforementioned methods, a letter may also be sent to the corresponding Regional Consortium Delegation, depending on the place where the damage occurred. In this case, you will have to fill out a damage communication’s report form together with the required documentation.
Asessment of damages
Second. the Consortium will send an expert in insurance, in order to assess the damages caused, in this case, by the heavy rainfall and flooding. The affected party will have to present the invoices of the goods damaged by the storm. Alternatively, the insurers also advise photographing all the damaged goods, as to be able to attach the images as evidence to the claim.
Third, once the claim has been filed, it will be necessary to wait for the damages to be quantified and for the payment of the corresponding compensation. Taking into account the high number of claims expected from Monday the 16th September, the companies estimate that payments might take about three months.
Contact us for any help
We hope this information is useful. Subsequently, should you be affected by this problem or you might be interested in receiving more specific information, please do not hesitate to contact us and we will be glad to clarify immediately.
Mr Oscar Ricor
“NON-PRACTISING ENGLISH SOLICITOR IN ENGLAND AND WALES”, under the “Solicitors Regulation Authority” (SRA) SRA number 519196 and practicing Spanish Solicitor
BZN LEX INTERNATIONAL LAWYERS www.bestsolicitorsinspain.com