Flood risk insurance in Spain.
FLOODING & WATER DAMAGE INSURANCE IN SPAIN - IN ENGLISH
INSURANCE AGAINST FLOOD RISKS & WATER DAMAGE TO PROPERTY IN SPAIN
FLOOD RISKS INSURANCE IN SPAIN.
It might seem strange to be talking about flooding in Spain, when we have an average of over 300 days of sunshine in parts of the country each year. Like all places in the world today, and with Climate change on the agenda, unusual weather patterns and global warming are being blamed for strange or phenomenal weather in Spain.
Many parts of Spain, including the Costa Blanca, suffered from extensive storms during the Easter of 2019 that caused millions of Euros worth of damage along the Valencian region and Alicante province. Classified as a level 1 emergency, with areas receiving more than 250 litres of rain water per square meter.
In essence, flood insurance or any other type of claim that could be classified as being caused by a natural phenomenon, will NOT be covered by your general house insurance, but will be covered under the Government body known as the Conscorcio de Seguros in Spain.
RISKS DUE TO FORCES OF NATURE.
Insurance companies provide cover for material damage caused by the direct action of rain, wind, hail, snow or frost, or any objects thrown around by the same, provided that these risks are not considered extraordinary under the current legislation in Spain and are abnormal for the area in which the home or property is situated.
EXTRAORDINARY RISKS INSURANCE - CONSCORCIO.
Extraordinary risks are risks that are of a natural phenomena, floods, lightning, earthquakes, tsunamis and natural disasters caused by inclement weather patterns.
These extraordinary risks are covered on your insurance policy by the provision of a Government Tax levied on all insurance policies, that contributes funds to a central organisation called the Conscorcio de Seguros in Spain. The Conscorcio de Seguros will pay for that claim and not the insurance company, if the abnormal nature of the atmospheric phenomena are verified by the relevant authorities, or in their absence, via the proof provided by the insured.
If there is no "official" declaration of atmospheric phenomena, then proof of these events will need to be provided by the insured with evidence that other buildings and property in the area have also been affected. If you think you are going to need to make a claim, take plenty of photographs as evidence.
RAINWATER LEAKS TO PROPERTY IN SPAIN.
Damage by rainwater leaks through roofs and walls of the property are covered, but you will be responsible for the repairs needed to the roof, that caused the leak in the first place, unless the initial damage was caused by a storm. Insurance does not normally cover any damages caused by poor or lack of proper maintenance.If rainwater
FLOODING INSURANCE IN SPAIN.
Flooding is classified as water that is moving over the ground surface as a result of the flooding or accidental diversion of water from lakes, reservoirs, streams, canals, irrigation ditches, marshes and other man made surface channels. Includes drainage systems that might overflow.
Costs to clear and remove mud as a result of a claim are included.
WHAT IS NOT COVERED BY FLOODING INSURANCE IN SPAIN?
Although this list of exclusions may not be insured by your own private property or commercial insurance policy in Spain, they are likely to be covered by the Conscorcio de Seguros. How to make a Conscorcio de Seguros claim in Spain.
Any damage caused by rain, snow, sand or dust that enters through doors or windows that have not been closed properly or have faulty latches.
Any damage caused as a result of building or repair work being carried out on the insured property.
Any damage resulting from tides or seawater, even if these phenomena are caused by the wind.
Any damage caused by the bursting of normal river banks broken dams or breakwaters.
Any damage in the form of leaks, rust or damp spots.
Any damage caused by faulty construction, or the visible lack of maintenance.
Any costs associated with replacing or unblocking drains, downpipes, plumbing or tanks.
Any damages caused to advertisements of any kinds such as billboards, signs, displays etc.
Any damages caused to trees, gardens or anything left outdoors, even when protected by flexible materials, canvases or tarpaulins, or when found inside open structures.
Updated January 2020