Steps to follow to claim insurance damage DANA flooding in Spain II
An extreme ‘Gota Fria’ –meaning ‘Cold Drop’– delivers Spain’s most Severe Storm in over a
Contact your insurance company or the Consortium
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 www. consorseguros.es (with electronic ID or certificate).
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.
No deadline to submit the claim
Due to the high number of people affected, the Consortium has significantly expanded its telephone platform; and it will keep the center operational during weekends, in order to help all people affected. The initial deadline of 7 days will not be applied, so there is no deadline to submit claims.
Assessment 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.
Compensation
Third, once the claim has been filed, it will be necessary to wait for the damages to be assessed. Taking into account the high number of claims expected from Monday the 16th September, the companies estimate that payments might take approximately three months.
In the case of flooded cars, the insured will be entitled to compensation from the Consortium, regardless of the coverage contracted. It will be enough to have the legally compulsory coverage of civil liability or damage to third party’s insurance, in order to be entitled for compensation.
Finally, the Consortium informs that there isn’t a limit to the total amount to be compensated, so they will pay the corresponding compensation in accordance with the insurance policy contracted by the affected insured, even if the final cost might significantly exceed the first estimates made.
Contact us for any help
We hope this information is useful. This is not to be considered as individual legal advice. Subsequently, should you be affected in particular 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 help you immediately.
Mr Oscar Ricor
“NON-PRACTISING ENGLISH SOLICITOR IN ENGLAND AND WALES”, under the “Solicitors Regulation Authority” (SRA) SRA number 519196 and practising Spanish Solicitor
