DANA has arrived in Spain, hitting some parts of the country with force, especially in the Valencian Community and the east of Castilla-La Mancha, leaving in its wake more than 62 fatalitiesalthough there are still many people missing. For the moment, emergency services continue to work. Likewise, many roads collapsed and the material damage is innumerable.
Does insurance cover DANA damage?
The intensity of the rains caused by DANA has caused records for liters per square meter to be broken in some municipalities, demolishing bridges and breaking roads, thus leaving some towns cut off. In this context, thousands of affected people wonder what they can do to recover of the material losses caused by the storm.
Most insurance companies consider floods an “extraordinary risk”, classified within what is known as an adverse meteorological phenomenon, for which they are not responsible. For this reason, insurers do not cover damage caused by floods and it is the Insurance Compensation Consortium that is responsible in these types of occasions. Even so, It is essential to be insured so that the Consortium covers damagessince this only takes care of the assets that appear in the insured’s policy.
However, toDamage resulting from rain that is not considered extraordinarythey will be the responsibility of the insurance companies, which will be responsible for compensating clients for the damages suffered, whether it is home, vehicle or community insurance.
How to request compensation from the CCS
The Insurance Compensation Consortium (CCS) is a public institution that depends on the Ministry of Economy, Commerce and Business, and is responsible for compensating extraordinary damages such as those that occurred during this DANA.
To do this, the first thing to do is contact the insurer with whom you have contracted the policy and submit an application. It can be done by calling 900 222 665 or through the website. However, it is necessary to meet some requirements:
- It is essential to have already taken out insuranceestablishing the minimum in basic, home or car insurance, and being up to date with payments.
- Damage caused by the breakage of an element outside the affected vehicle or home (whether a tree, a roof or another collateral object) will not be covered by the Consortium or by the policy. will be the entity’s civil liability insurance or the person who owns that element who is in charge.
- If rain and hail do not cause floodingthe Consortium understands that it should not compensate, although in national emergency situations this point may be understood, depending on the ambiguity of the material damage or the clarity of the damage.
- The Consortium It will only cover the assets that appear detailed in the affected person’s own policy.it being essential that they are under the same conditions. If this is not the case, despite having binding insurance, the responsibility does not fall into the hands of the organization, having to either modify the necessary details or seek other solutions in claims.
It is recommended to take photos and videos of all affected material in order to claim insurance or the Insurance Compensation Consortium, as appropriate. It is also recommended gather information or news about the phenomenon that has caused the havocin order to present it as evidence to the insurers.