Coverage of Damage from the DANA in Valencia: What You Need to Know
Recently, the Valencian Community has been devastated by a DANA (Isolated Depression at High Levels), a meteorological phenomenon that has left behind torrential rains and significant damage. This event has resulted in over 445 liters of water per square meter in some areas, leading to the deaths of at least 64 people and numerous material losses in homes, vehicles, and businesses.
What Does Insurance Cover?
The damage caused by the DANA is largely covered by insurance through the Insurance Compensation Consortium (CCS), which compensates those with an active policy. This consortium activates in cases of extraordinary natural phenomena, such as floods, as long as the insured has a valid home or auto policy. It is not necessary for the policy to include specific flood coverage; it just needs to be current.
- Damage to Homes: If your home has suffered damage from flooding, the CCS will evaluate the damage and offer compensation that may cover repairs or the replacement value of the affected goods.
- Damage to Vehicles: Vehicles are also covered as long as they have appropriate insurance. Flood damage will be compensated based on the vehicle’s value.
- Limitations: It is important to note that damage caused by external elements, such as falling trees or wall collapses, is not covered by the CCS. In these cases, you must claim against the insurance of the owner of the item that caused the damage.
Claims Process
To claim damages from the CCS, follow these steps:
- Documentation: Gather all necessary documentation from your policy, detailed descriptions of the damages, photographs, and other documents that support your claim.
- Contact: You can submit your claim through the CCS website or by calling 900 222 665. An adjuster will be sent to assess the damage on-site.
- Compensation: Once the claim is approved, the CCS will proceed to compensate you based on the damage assessment and the type of coverage you have.
Conclusion
The DANA in Valencia has brought a wave of destruction that has affected thousands of families. However, it is essential to understand the rights we have as policyholders to effectively navigate these situations. If you have been affected, do not hesitate to contact the CCS and ensure that your claim is processed efficiently.