“Home insurance claims in Spain”
Contact Your Insurance Company or the Consorcio (with Your Broker’s Help if Needed)
First, get in touch with your insurance company. Your broker can assist in coordinating with your insurer and will clarify if the damage is eligible for Consorcio coverage. You can also contact the Consorcio de Compensación de Seguros directly through their website or helpline if your broker advises this as a faster option.
Gather Necessary Documentation
: Be ready with:
- A copy of your insurance policy.
- Proof of up-to-date premium payments.
- Identification documents of the insured and property documents.
File the Claim
Submit your claim online or by phone. Your broker can guide you through the documentation process and ensure the required forms are ready. The Consorcio will assign an adjuster to inspect the damage and determine the appropriate compensation.
Damage Assessment and Repairs
Once the assessment is completed, the Consorcio processes the payment if all is in order. The support of your broker can help expedite the process by liaising directly with the adjusters.
Check for Specific Coverage Details
Remember, the Consorcio only covers officially classified “extraordinary risks,” with certain exclusions, such as unauthorized constructions. Your broker can help clarify these limitations.
For further details, weather-related insurance Spain visit the Consorcio de Compensación de Seguros website.