2023-09-04 18:04:35
The arrival of an Isolated High Level Depression (DANA) this weekend has caused extreme weather conditions, with heavy rains, floods, and landslides in various areas of the country. The storm has left five dead, three missing, hundreds of evacuees and extensive damage after its passage.
Given the devastation and loss of material goods that many families have suffered, it is essential to know what damages insurance can cover at times like these.
What damages does the insurance cover?
Insurance companies consider damage caused by natural phenomena such as DANA as extraordinary risks. For this reason, it will correspond, in most cases, to the Insurance Compensation Consortium, a public body dependent on the Ministry of Economy, to take charge of the compensation through its Extraordinary Risk Coverage. In any case, it will always be necessary to be insured and provide evidence.
The Consortium only covers the goods that are specifically detailed in the policy, under the same conditions established in the contract. In addition, there are certain events that are not included in your coverage, such as damage caused by hail, snow, direct rain on the insured property, damage caused by wind gusts of less than 120 km/h, leaks or dam breaks, among others. .
In cases where the damage caused by rain is not considered “extraordinary”, it may be covered by home, community or vehicle insurance.
How to claim?
The first step recommended by consumer organizations is to take photographs of all the damage caused, as well as collect news, reports from organizations such as the Spanish Meteorological Agency (AEMET) or emergency services, as a test.
If the damage can be categorized as an “extraordinary” phenomenon, in the case of flooding, you can contact the Insurance Compensation Consortium directly. via online or by calling 900 222 665. This entity will also indemnify for injuries or death as a result of the storm.
In case of not being sure if it is an “extraordinary” damage, the Organization of Consumers and Users (OCU) advises notifying the case both to the Consortium and to the insurer, through the channels provided by each company.
With the passage of torrential rains due to the storm, multiple farms have also been affected, in these cases compensation can be requested through Agroseguro, through are portal web.
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