Extraordinary assistance phone number for torrential rains. Home 912 763 738 | Car 933 661 278

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How to manage your claim due to torrential rains in Spain The torrential rains in Spain have caused numerous material damages to homes, vehicles and businesses, which has forced many people to request help from the Insurance Compensation Consortium (CCS) to cover the losses. We explain all the steps in detail.

1. Check if your claim is eligible for compensation

Not all claims are automatically covered by the CCS. To obtain compensation, the event must have been officially declared as an "extraordinary risk". This means that it must have been confirmed by the National Institute of Meteorology or another authorized body as a torrential rain phenomenon.

It is advisable that you check the conditions of the CCS to make sure that your situation applies. Generally, the entity covers material damages caused by floods, torrential rains or winds exceeding 120 km/h. This point is essential before proceeding with the rest of the steps.

Your claim due to torrential rain is covered by your insurance premium with Banco Sabadell; by having an active policy, the Insurance Compensation Consortium can handle your claim and manage the corresponding compensation.

2. Gather all the necessary documentation

To facilitate the process, you will have to gather all the necessary documentation on the claim. Here we detail what you will need:

  • Damage report: Make a detailed list of all the material damage caused by the rain. Include a description of each object, its approximate value and photos as evidence.
  • Proof of payment of the insurance: The CCS requires you to prove that you had insurance in force that covered the affected property (home, car, etc.) at the time of the claim.
  • Expert report: Although it is not always necessary, having an expert report will help estimate the damage and support the claim.

Having everything in order and well documented will make the work of the CCS inspectors easier, which can speed up your claim process.

3. Submit your application to the Consortium with us

Once you have confirmed that the claim applies and you have all the documents, it is time to submit your application to the Insurance Compensation Consortium.

  • 01
    Home insurance

    Contact us at 912 763 738 to help you with the paperwork. If your claim is eligible for consorciation, we will take care of all the management for you. We have strengthened our teams to offer you a more agile and efficient service

  • 02
    Auto insurance

    Contact us at 933 661 278. We will assist you with all the necessary paperwork. If your claim is eligible for consorciation, we will take care of the entire management. We have improved our equipment to offer you a faster and more efficient service

Remember that, once you have submitted the request, you will receive a reference number. Write it down and save it, as it will be useful for tracking your claim.

Essential information

Claim request at the Consortium by phone

These are the essential details that will be requested from you in the call in order to complete the claim request at the Consortium.

  • Name and surname
  • NIF
  • Full address of the affected risk
  • Policy number
  • Insurance company
  • Contact telephone number (2 may be included)
  • Email
  • Cause of the damage and brief description
  • Date of occurrence
  • Approximate height of the water
  • Are you evacuated?
  • Estimated amount of damage (this is an approximate amount and does not in any way prejudge the amount of compensation you will receive in the corresponding case)
  • Bank account details (including IBAN)

Recommendations to facilitate the resolution of the claim

  • Keep the remains of the damaged goodsIf this is not possible, make sure to take photographs before removing them.
  • Keep all invoicesIf you have had to make urgent repairs, keep the invoices for these repairs.
  • Prepare the documentation for the expert's visit

- Have the estimates and invoices for the repairs carried out on hand.

- Have two copies (original and copy) of your insurance policy and the receipt for payment of the premium corresponding to the period in which the damage occurred.

- Prepare a receipt or bank document with your IBAN account (24 digits), where the compensation will be paid.

- If you do not have this documentation, you can request a receipt through BS online and a duplicate policy through Whatsapp.

4. What guarantees do Sabadell Seguros' home and car policies offer?

Home and car policies are the most common insurance policies to protect families' main personal assets, since, regardless of the actual possession of these assets, being insured provides at least the guarantee of civil liability.

In general, both home and car insurance will compensate for damages caused if two conditions are met: that the damage is covered by the policy and that a weather event of these characteristics is not excluded from the insurance contract.

Damage caused by rain on the facades and roofs of buildings, the collection of the vehicle by the tow truck, accidents while travelling through areas affected by floods or even loss of income or loss of earnings, may be included in the guarantees.

This publication is merely informative and has no contractual character. All information contained in this presentation has been compiled and obtained from sources believed to be reliable and credible, but BanSabadell Seguros Generales (hereinafter “BSSG”) makes no representation or warranty, express or implied, as to its accuracy or completeness.

This publication is also not intended to be legal, underwriting or any other type of professional advice. BSSG disclaims any and all liability arising from the use of or reliance on this publication.

Do you have Life Care life insurance and are you affected by the floods?

If you have life insurance with us, remember that you can access our psychological support service. Go to the Sabadell Seguro Vida app, register and receive the help you need.

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