{"id":2142,"date":"2023-05-04T07:49:50","date_gmt":"2023-05-04T07:49:50","guid":{"rendered":"https:\/\/dev.maicrosoft.eu\/hernandezmora\/2023\/05\/04\/6-things-to-know-when-heavy-rains-damage-your-property\/"},"modified":"2023-08-01T06:42:33","modified_gmt":"2023-08-01T06:42:33","slug":"6-things-to-know-when-heavy-rains-damage-your-property","status":"publish","type":"post","link":"https:\/\/hernandezmora.com\/en\/6-things-to-know-when-heavy-rains-damage-your-property\/","title":{"rendered":"6 THINGS TO KNOW WHEN HEAVY RAINS DAMAGE YOUR PROPERTY"},"content":{"rendered":"\t\t
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6 THINGS TO KNOW WHEN HEAVY RAINS DAMAGE YOUR PROPERTY<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Have you suffered damages on your property due to the heavy rains in Murcia? Sadly, due to climate change and other reasons it is an issue more common every year. If your insurance policy includes this cover, you can at least receive a compensation for any damage suffered. We will explain the most important steps in order to obtain such a compensation from your insurance company.<\/span><\/span><\/p>\n

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damages property<\/span><\/div>\n<\/div>\n<\/div>\n

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\u00b7 Inform your insurance company as soon as possible<\/strong>.<\/span><\/span><\/p>\n

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\u00b7 Prove the damage: it is essential to prove the damage with pictures, videos, invoices or any other document<\/strong>. The insurance company will send a surveyor but the more paperwork you submit, the better. <\/span><\/span><\/p>\n

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\u00b7 Heavy rains\/weather report: you might need a report to prove the heavy weather, since insurance policies tend to have limits like litres\/square meter\/hour. Luckily, AEMET can provide it easily, here is the link to request one: http:\/\/www.aemet.es\/en\/sede_electronica.<\/u><\/a><\/span><\/span><\/p>\n

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\u00b7 Where has the water come from? If the water is coming from above (rain or leak), then your insurance company will pay. But if the water is coming from the street, then it will be the Consorcio de Compensaci\u00f3n de Seguros (CCS).<\/span><\/span><\/p>\n

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\u00b7 What is the CCS? According to their own website, \u201cis an instrument that services the Spanish insurance sector. It performs many functions within the insurance field, and amongst which those related to <\/strong> <\/em>coverage of extraordinary risk<\/strong><\/em><\/a>, <\/em>compulsory vehicle insurance<\/em><\/a>, <\/em>combined agricultural insurance<\/em><\/a> and <\/em>liquidation of insurance companies stand out<\/em><\/a>.\u201d<\/em><\/span><\/span><\/p>\n

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\u00b7 What happens if your insurance company does not want to pay? The first step is to submit a complaint against the company before their customer service department, but if it fails, we can resort to a legal process before the Courts or a complaint before the Direcci\u00f3n General de Seguros,<\/span><\/span><\/p>\n

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If you need any help or further advice don\u2019t hesitate to contact us.<\/span><\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

6 THINGS TO KNOW WHEN HEAVY RAINS DAMAGE YOUR PROPERTY Have you suffered damages on your property due to the heavy rains in Murcia? Sadly, due to climate change and other reasons it is an issue more common every year. If your insurance policy includes this cover, you can at […]<\/p>\n","protected":false},"author":1,"featured_media":3494,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[69],"tags":[],"class_list":["post-2142","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"_links":{"self":[{"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/posts\/2142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/comments?post=2142"}],"version-history":[{"count":3,"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/posts\/2142\/revisions"}],"predecessor-version":[{"id":2873,"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/posts\/2142\/revisions\/2873"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/media\/3494"}],"wp:attachment":[{"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/media?parent=2142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/categories?post=2142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hernandezmora.com\/en\/wp-json\/wp\/v2\/tags?post=2142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}