September has begun with a DANA shaking the Peninsula, ending the summer abruptly in some autonomous communities such as Madrid or in the province of Toledo, where heavy rain and storms they have left behind floods, floods, collapse of trees and walls, etc.
Many citizens have seen how your vehicles, garages, businesses and homes They have suffered the consequences of the storm, and now it is time to start dealing with the damage and see what can be done. What do I have to take into account and who do I have to claim?
Ordinary or extraordinary damage?
In the first place it is convenient to be clear if the damages that we have suffered are legally considered as “ordinary damages” or “extraordinary damages”since the difference between one term and another will cause the entity before which we have to claim.
Insurers consider as “extraordinary risks or damages” those caused by natural phenomena, from floods, to hurricanes, earthquakes, tidal waves, and also others as caused by certain acts of vandalism or acts of terrorism. In principle these risks are not assumed by private insurers, the ones that we can each have hired at home, but by the Insurance Compensation Consortium (CCS).
The Consortium is a public entity which works as an instrument at the service of the Spanish insurance sector, being attached to the Ministry of Economic Affairs and Digital Transformation, through the General Directorate of Insurance and Pension Funds. It performs multiple functions in the field of insurance, and among them those related to the coverage of extraordinary risks.
If the damages are not of the “extraordinary” type, then in general they will be of the “ordinary” type, and may be covered by conventional insurance that we may have contracted, although it will be necessary for our particular case to be covered by the policy if we want them to compensate us.
What is the limit for damage to be considered ordinary or extraordinary? Well, it will depend on each company and it is convenient that we look at it in our policy, but for example in the case of rain there are insurers that consider figures of 40 or 50 liters per square meter as a reference level.
Above that value will be considered as extraordinary damage and below as ordinary. In both cases (ordinary and extraordinary damages), In order to claim, we must have contracted insurance with a company that operates in Spain.
In the case of damage to automobilesas commented in the OCU, users who have contracted their own damage insurance in the modality of all risk and those who have a safe with moonsin case there was breakage of them.
In the houses and garagesthere are some risks and natural phenomena that are covered by home insurance when they do not reach the intensity limits from which the Consortium intervenes.
Steps to follow if the storm has caused you damage
Once we are clear about what type of damage we have suffered (ordinary or extraordinary), all address our claim to the competent entity. To do this, the following steps must be followed:
- First of all review the insurance conditions in the case of ordinary damage to see if the damage we have suffered enter the policy In this case, we can call our insurer to begin the procedures, which will probably begin with the sending of an expert to assess the damage.
- If the accident is clearly extraordinarysuch as due to a torrential flood, and we have contracted home insurance, we must communicate it as soon as possible to the Consortiumfor example on their website or by calling phone at 900 222 665. The request for compensation to the Consortium, both in the case of personal and material damage, can be submitted directly by the insured himself, by the policyholder or by their respective representatives, or through the insurance company with which the insurance was contracted. policy.
- Yeah it is not clear if it has been ordinary or extraordinary damageit is convenient to notify both our insurer and the Consortium to cover all possibilities.
The Consortium recommends that the request for compensation be presented as soon as possible in order to facilitate the assessment of the damages and expedite the processing, if possible within the period of seven calendar days after the incident occurs, although the Consortium will also accept the request if it is submitted after the aforementioned period.
Finally, it is important to collect all the evidence as possible to demonstrate the origin and consequences of the damage, for example by providing images, videos, press clippings, reports of actions by firefighters, police, etc.
Cover image | Chris Gallagher
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