Rain damage claims are very frequent in Home insurance. Based on a real case, we will solve frequent doubts about the processing of claims and the compensation claim that as a client you can file against the insurance company.
Real case of loss of damage due to rain in the Home
As a consequence of the rains, water leaks through the roof of the building. This affects housing causing humidity on the ceiling and walls.
Is there a deadline to report a claim to insurance?
The Insurance Contract Law determines that within a period of 7 days the insured must notify the insurance of the occurrence of the accident. If it is not communicated within that period, the insured must take all necessary measures to reduce the damage, otherwise the insurer could oppose attending the claim.
Are rainwater leaks covered in Home insurance?
Home insurance always includes the guarantee of damage due to rainwater leaks. It is included in the coverage of atmospheric phenomena, which includes wind, hail or snow. Along with coverage for water damage (pipe rupture or leaks), they are basic guarantees of home insurance in the Canary Islands.
Are rain damage always covered in home insurance?
As we mentioned earlier, home rain damage is a basic warranty. Although, the condition of the Home policies, limits the coverage by establishing the exceedance of rain thresholds, generally 40 liters/m2. If the rain does not exceed that amount, the loss would not be covered.
What to do if the rain leaks due to a lack of waterproofing of the roof of the building?
When there is a third party responsible for the damage, such as a community of neighbors, your insurance will claim it to repair the origin of the damage to the home. The problem is that the damp in the house cannot be repaired until the Community carries out its repair, in this case on the roof through which the water has leaked. The opportune thing is that the accident is communicated to the Community insurance so that it repairs its damages and those of the house.
Is it mandatory for the Home insurance to send professionals to carry out the repair in the house?
Once the Community has repaired the cover, it is usual for your insurance to offer you to send repairmen. Although, it is not an obligation of the company to send repairmen, nor of the client to accept it. The customer can choose to make the repairs with means outside the company, and then request a refund of the invoice.
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