Albacete, Valencia, Alicante and towns of Caudete and Almansa have been the most affected by the passage of a new DANA for the peninsula, leaving a trail of damage, injuries and even deaths. Torrential rains have flooded several towns, causnado widespread damage to vehicles that have been swept away by currents of water.
usually, the damage to the car due to weather endpoints are not covered by the insurance of the car, even though this is all risk, but by the Insurance Compensation Consortium (CCS).
The Consortium recognises that floods are the phenomena that most damage occurring in Spain, understood as "the flooding produced by heavy rains or snowmelt; water from lakes with a natural outlet , from estuaries or rivers, or from natural watercourses on the surface whenever they overflow their channels normal. It also includes the assault of the sea on the coast, although there is no waterlogging", require from the Consortium.
that does not include the CCS is the hail, rain directly falling on the insured property, the weight of the snow or the winds below 120 km/h, so that the responsible of the compensation shall be the insurance company provided the policy includes coverage against damage, weather . Neither considers flood the rain falling directly on the insured risk, or that collected by its roof or roof terrace, its drainage network or its patios, and neither the flood caused by the breakage of dams, channels, culverts, sewers, and other channels underground artificial, except that the breakage has occurred as a direct result of an extraordinary event covered by the Consortium.
In case the hail will cause damage to the car windows, the repair is covered by the coverage of moons since, in this particular case, the insurers did not typically exclude natural causes. If the defect in the car have not been caused by a branch or a tree that has fallen on the car , the responsibility is on the owner of the land where it was planted, which is also applicable to the municipal land (for which responsibility will rest with the city council).
To apply for compensation, the first thing you should do is to give to the insurance company. In this type of situations, companies tend to advance the money and then, reclamárlo to the Consortium.
The CCS is a state agency that is intended as a part of the money of the policies written. Now, we must insist on the adjective of "event or extraordinary phenomenon" . If so, contact should be made directly with the CCS via its website or on the phone 902 222 665 or 952 367 042.Updated Date: 12 September 2019, 20:00