The DANA which took place in the Valencian Community, Murcia, Andalusia and Castile-La Mancha This caused multiple personal and material losses. And the people concerned have a question in mind: What does the insurance cover me in the event of an atmospheric phenomenon like a DANA?
To answer this question, it should be remembered that it is the Insurance Compensation Consortium (CCS) the organization responsible for covering damage caused to affected homes and vehicles in the event of flooding. Of course, provided they are insured.
“It is not necessary to have a comprehensive policy or one that specifically covers these risks; you just need to have one basic insurance, home or autoand be up to date with your payments,” they explain from Kelisto.
“Without insurance, no claim can be made, neither to the insurance company (when the damage is due to a small storm), nor to the Insurance Compensation Consortium, which assumes compensation in the event of natural disasters or extraordinary damage“, they remember Andl General Council of Colleges of Insurance Mediators.
And they specify: “The insurance must be in force at least one week before to cover damage due to atmospheric phenomena.”
How to request compensation?
In the event of a claim from the insurance company, or from the CCS, everything that is broken or damaged due to these natural phenomena should be kept until the expert appears. The policyholder must communicate what happened to their insurer within 7 days so that the claim can be processed.
If these items are so damaged that they must be disposed of, this is a condition sine qua non condition carry out an inventory and take relevant photographs be able to prove to said expert that they existed before undergoing the flood.
It is about collect all the evidence be able to demonstrate the incident and its effects (reports from meteorological agencies or observatories, newspaper clippings, photos, emergency reports, police, civil protection, firefighters, etc.). It’s also a good idea to look for witnesses.
When you contact the CCS, you can do so by telephone (900 222 665) or onlinevia the organization’s website (
If the person concerned needs help, the insured must contact their insurance mediator.
It is also worth remembering that there are different companies that collaborate and help manage requests in order to speed up collection times.
What does the CCS compensate for?
The CCS will compensate damage caused to policyholders and damage to insured property, whether homes or communities of owners; motor vehicles; office premises; commercial and service establishments and other properties for non-industrial use; industries; and civil engineering works and infrastructure. And this, whether the goods mentioned are private or public property.
Likewise, the CCS will compensate based on the insured capital as well as the clauses of the insurance contract of the person concerned. In the case of the aforementioned goods, the CCS compensates both the material damage caused by the flood, as well as the immaterial damage resulting from it.
This is the case of loss of rent for owners, housing costs linked to the uninhabitability of housing or loss of income due to the paralysis of commercial, service or industrial establishments. Of course, all this according to the terms provided in the insurance contract of the person concerned.
