How to act in case of a claim?

In cases like this, the policyholder or the insured (in this case, your company) must act diligently and comply with the following obligations:

• Report the claim to the insurance company within a maximum period of seven days from the moment the claim was known (unless a longer period is indicated in the policy). This communication must be made through a means that allows proof of it (for example, by certified mail, email with acknowledgment of receipt, electronically through the private or client area, etc.). However, if it is proven that the insurance company had knowledge of the claim through another means, this non-compliance will have no consequences.

• Provide all available information about the circumstances and consequences of the claim.

• Take the necessary measures and use the means at your disposal to minimize the damages. For example, if it is water damage, close the water valves and protect potentially dangerous elements (such as plugged-in appliances) and anything that could be damaged by water. In addition, the expenses (unless they are disproportionate) will be covered by the insurance.

If these obligations are not met, the insured will be liable to the insurance company for the damages and losses caused. Therefore, the insurance company may not compensate for the full extent of the damages or even refuse to pay any compensation.

 

We can assist you in processing the claim notification, as well as with the rest of the procedures you must carry out with your insurance company, to claim the corresponding compensation, including through legal means.