Claims related to damage caused by snow should be made with the insurer with which a policy for home, car, third party damage, etc. has been taken out. What circumstances are covered ?: slips in the snow, trees cut down on vehicles, cars abandoned on the shoulders or damp caused by the thaw after the passage of the storm Filomena are some of the claims covered by auto insurance policies or health . But it is essential to have a policy. Likewise, the coverage will depend on the type of policy- “If you have the car for third parties, the policy will cover the fall of a branch, for example,” explain insurance sources.
The deadline for communicating claims to insurers is 7 days; Once all the information has been collected, the company will proceed with the repair or will contact the Consortium directly, when appropriate.
What steps should the insured who has been affected by the snowstorm follow?
According to insurance broker Marsh & Maclennan , there are three pasts to consider:
1.- Carry out all reasonable and necessary tasks to minimize damage. That is to say, it must clean as far as possible the snow from the roofs, unblock the downspouts so that ice does not form and avoid flooding due to freezing or breakage of the same, clean the trafficable parts of snow. These tasks will prevent claims or possible common excuses in the Damage and Civil Liability policies.
2.- Verify that the damaged goods are covered through an insurance policy in force. Through the coverage you can claim loss of profits or extra costs for travel, emergency cleaning and other costs. There are exclusions that are common and applicable to this type of event, for simple conditions (homes, businesses, etc.), for example; pipe freezing, which is excluded, and consequential damage. Preventive or maintenance work is vital both for the reduction of the claim and for there to be coverage in the event of a claim.
3. Report the claim without delay to your mediator (insurance agent or broker). This will advise you appropriately, will indicate what information you must provide to the insurance company and will take care of communicating to it or to the Insurance Compensation Consortium, if applicable. There is a maximum period of 7 days to make said communication to the insurer, which should be respected.