People who have suffered damage to their home, vehicle, or other property as a result of rainfall can claim compensation from their insurance company. The Municipal Office for Consumer Information (OMIC) in Lliçà d’Amunt outlines the key steps to follow for managing these claims.
The first step is to notify the insurer of the claim as soon as possible. It is advisable to do this in writing, keeping the reference number and all documentation. Most policies set a maximum period of 7 days from the discovery of the damage, unless a longer period is specified.
To substantiate the damages, it is important to take photographs and videos of the damage. Additionally, invoices, repair estimates, and any other documents that can help prove the damages must be retained. A meteorological certificate or report can also be requested from Meteocat to verify the rainfall event.
In cases of extraordinary events, such as exceptional flooding, damages may be covered by the Insurance Compensation Consortium, provided that the coverage requirements are met. Therefore, it is essential to report the claim and provide all available information.
If the insurer does not respond within 30 days or the response is unsatisfactory, residents registered in Lliçà d’Amunt and micro-enterprises can contact the OMIC for advice on how to proceed with their claim.
