ALERTS ON METEOROLOGICAL PHENOMENA

Follow these tips to protect your home and know how to act in the event of a claim

Alertas meteorológicas Adeslas

What must you do in each case?

Rain

In the event of rain

  • Check the drains of the terraces, the water deposits and the gutters to ensure that they do not become blocked.
  • In low areas that may become flooded, move as many objects as possible to the highest shelves of the bookcases, espeically those objects of value that may be damaged by the entry of water.
  • If the home is flooded, it is fundamental to abandon cellars and ground floors and to disconnect electricity, using torches for lighting.
  • Have a kit of basic objects at hand: torches, batteries, gloves and towels.
Wind

In the event of wind

  • Close the awning, lower the blinds and gather up all objects and belongings that may be dragged along or damaged by the wind.
  • Avoid opening windows to prevent air currents that may cause doors to slam or objects to fall.
  • Removal from balconies and windows of everything that can fall into the street.
  • If you have cupboards or similar on your balcony, terrace or garden, it is important that you reinforce their closure.
  • Also gather together and secure with rope chairs, tables and decorative items to prevent them from moving and causing damage.
  • Try not to leave home due to the risk of detachment and, if you are outside, seek refuge.
  • Avoid standing below trees or structures that may be knocked down by the wind.
Snow

In the event of snow

  • Have torches and batteries, candles or other autonomous lighting systems prepared if there is a power cut.
  • Always keep external gutters and drainpipes clean, together with smoke evacuation pipes (chimneys).
  • Do not let snow accumulate on roofs and windows.
  • Avoid standing below trees or structures that may fall down due to the weight of the snow.
Storm

In the event of a storm

  • Unplug electrical appliances, computers and all non-essential electrical appliances to avoid them being damaged by a rise in voltage or to cause electrical shocks.
  • Have torches and batteries, candles or other autonomous lighting systems prepared if there is a power cut.
  • Check that there are no cracks on roofs, windows and walls to avoid damage due to leaks.
  • During the storm, you must avoid having a bath or shower, since water is a good conductor in the event of an electrical storm.
  • Avoid standing below trees or structures that may be knocked down by lightning or by wind.
Extreme temperatures

In the event of extreme cold

  • Despite the cold, do not forget to air out your home, albeit five minutes, to avoid condensation.
  • Try to maintain the temperature of the heating constant to avoid one-off cold peaks.
  • Avoid dripping taps, check that they do not drip and mend them if they do.
  • Turn off the water at your home when it is not necessary to prevent the pipes from freezing since they may burst.

In the event of extreme heat

  • It is advisable to keep the blinds half down and the windows shut during the hot hours of the day. To keep the house cool without air conditioning. It creates a shady environment in the home.
  • At night keep opposite windows open to create a current.
  • Do not attract humidity. Air humidity gives a greater sensation of heat. It is better not to wash and hang up clothes inside the house nor boil or cook food.
  • Minimise the use of lights and electrical appliances (oven, dishwasher, washing machine, dryer). It is better if you use them at times with a lower atmospheric temperature and when you do not have to stay in the kitchen.

What to do in the event of a claim?

WHAT TO DO IF A CLAIM OCCURS

If a claim occurs, you only need to call 900 50 50 40 and we will immediately begin the appropriate procedures at any time of day or night, even during public holidays.

WHAT DATA DO I NEED TO NOTIFY A CLAIM?

We will request your name, contact telephone number, policy number, date, time, place of the claim and description of the causes of the claim. Data related to the affected party (third party) or causer if any: insurance company, policy number, address, town and telephone number.

TIPS FOLLOWING THE CLAIM
  • Take the minimum essential measures to minimise their consequences (turn off the gas faucet, turn off the electricity, turn off the general water, etc.). Should you require, you can call the home assistance service by telephone.
  • Do not make any payments to third parties without having previously consulted the company.
  • Conserve the elements that have been substituted to facilitate the subsequent loss adjuster’s appraisal.
  • Provide the loss adjuster with as much information as possible, as well as any other details that may be of interest.
  • When necessary (robbery, hold-up, etc.) report the event to the competent authority.

 

Frequently asked questions

 

CONSORTIABLE CLAIMS

WHY DOES THE CONSORTIUM INTERVENE?

There are a series of risks known as Extraordinary Risks, which are not covered by the insurance companies’ policies. These risks are assumed by the Insurance Compensation Consortium. Hence, a part of the premium of all Multi-risk insurance policies that we pay, be it from the insurance company at which they are arranged, is earmarked to the Consortium.

The consortium acts as if it was a private insurer providing coverage to these extraordinary risks. Since they are catastrophic events with serious economic effects, it is a way of ensuring the solvency and reducing the possibility of a technical bankruptcy of the insurers should this type of event occur.

Flooding due to the overflowing of a river is an Extraordinary Risk, as are earthquakes, among others.

HOW TO CONFIRM WHAT A CONSORTIABLE CLAIM IS?

In floods, confirmation passes by analysing the water entry route in the insured risk. To confirm whether a claim is consortiable or not during the declaration thereof is very important in this type of claim, since we can help a lot to expedite its management.

WHAT ARE THE CONSORTIABLE ENTRY ROUTES?
  • Entry of water from the public highway towards the insured risk due to a flood-flush from the street or drain, due to the openings of the façade itself (entrance and garage doors, garage ramps, etc.).
  • It is also the entry of water through bathrooms, due to return from the public drains network, since it has collapsed
WHAT ARE THE NON-CONSORTIABLE ENTRY ROUTES?

Damage caused by rainwater collected from the insured risk itself, that is, without a contribution from the outside of the plot or from the public road, are not consortiable.

Examples:

  • Leakages through walls or roofs.
  • Floods from patios or roof terraces.
  • Rain falling on access ramps to garages, garden floods or water collected from the plot of the very risk insured, all without there having been a significant contribution of water from the public road, for example, from the input of a flood, torrent or similar.
  • Return by bathrooms due to the insufficiency of the private evacuation network of the home, without a general collapse of the public drains (it can be distinguished because there are more neighbours affected when the problem is public).
A CLAIM CAN ONLY BE CONSORTIABLE OR NON-CONSORTIABLE?

No. It can also be mixed. It can have a part of consortiable damage and another part of non-consortiable damage.

Therefore, we can find ourselves with three types of claims:

  • Consortiable: All damage is consortiable.
  • Non-consortiable: All damage is non-consortiable.
  • MIXED: Part of the damage is consortiable and another part is non-consortiable.

STEPS OF A CLAIM

1.Call 91 489 43 17 and tell us what has happened and we will take note of your claim and make a preliminary assessment of the coverage.

Hence, we will request your National ID Card No. and the name of the holder, the policy number, the address, contact telephone numbers and the most detailed description possible of the circumstances and consequences of the claim.

Remember that to register the claim, you or your most direct family members will have to call us (up to the second degree).

2.We can place you in contact with a professional or you can find one in which you trust. If you want to repair it by your own means, you only have to send us an estimate and photographs. In any of the cases, you will not have to put forward the money.
 

3. It is possible that we have to send an expert, based on the characteristics of the claim.
 

4. Once the damage and coverage have been confirmed, we will repair the damage if it is repairable or pay the amount of the repairs if they can be compensated, always in line with your coverage.
 

If you have caused damage to your neighbour, we will take charge of managing their compensation without you having to worry about anything.
If you are the party affected by the damage caused by a third party and they do not want to manage the repairs, we will take charge of claiming them.

 

WHAT TO DO IN THE EVENT OF AN EMERGENCY?

 

THERE IS A WATER LEAK AT HOME AND YOU DO NOT KNOW HOW TO DETAIN IT?

The first thing is to identify where the water is coming from. If we locate the origin, we will only have to close the faucet which cuts off the supply from the tube from which the water is leaking and not use the bathroom or electrical appliance from which the water is leaking.

If it continues to leak despite turning off the water, it is necessary to identify whether it is a neighbour’s pipe that has broken, in which case, they must be notified to take precautions so that water does not continue to leak and to inform their insurer, which will pay for the damage.

A WINDOW HAS BROKEN LEAVING THE HOME UNPROTECTED?

Collect all the fragments with great care, use a brush or a hoover and, if you have to handle them, use gloves.

For further security, after brushing, use the mop to prevent small remains from causing cuts or injuries.

If you are going to notify your insurer, conserve some remains to facilitate the task of the expert and the glass repairer to identify the glass to be installed in the event of coverage.

If you have a cut or injury, the first thing is to stop the bleeding, applying pressure with a clean cloth on a constant basis. Subsequently, clean the cut with lukewarm water and apply a disinfectant. If you are unable to stop the bleeding or if the cut is serious, go to hospital or to the nearest health centre.

HAVE YOU HAD A POWER CUT?

Locate the fuse box at your home - consider that you may have to find it in the dark. You should also have a torch and batteries at hand to avoid accidents while you are in the dark at home.

Once you reach the fuse box, check that all the switches are upwards. If they are upwards, it may be a power cut so you must check if there is any light in the street or if your neighbours have electricity.

Did you have many electrical appliances connected at the time of the power cut? The electricity companies control that we do not exceed the power contracted and so we may sometimes have no electricity if we exceed this amount. In this case, try and disconnect the appliances that consume the most energy (oven, vitro ceramic hob, heaters, hair dryers, washing machines, etc.) and lift up the switches.

Can you lift up the general switch if the others are down? In this case, try and lift, one by one, the switches of the remaining circuit breakers to detect which of the lines is generating problems.

Call 91 489 43 17 and we will attend your home accompanied by a locksmith, electrician or plumber as soon as possible without you having to pay the costs of the visit or the labour costs.
DO YOU HAVE BLOCKED PIPES?

To prevent your pipes from blocking you only have to follow some easy tips to minimise the risks:

  • Do not tip oil, food remains or any substance that may stick to the piping. Tipping oil or food remains down the drain, aside from being a pollutant, is bad for the piping.
  • Do not tip solvents or corrosive products down the drains. These may end up damaging the piping, especially those which, over time, have deteriorated.
  • Do not throw personal hygiene products down the toilet. Despite the fact that some containers state that they are biodegradable and apt to be thrown down the toilet, the reality is that wipes cause blockages, both of domestic piping and of the large city collectors, since the time they require to degrade is greater than the path they run and, hence, the best thing is to have a bin in which to throw them away.
  • Use mesh strainers and protectors. They prevent food remains and other objects from falling down the drains and causing a blockage.
  • Use liquid detergent and do not overuse shower gel. Soap and powder detergents tend to accumulate and, furthermore, damage your electrical appliances, and they can end up blocking the drains. In the bath and shower, also only use the amount needed, since the “creamy” texture of the products does not facilitate their removal from the drains.
  • Keep the plumbing installation in an optimal condition, taking into account its useful life. A bad installation, bad maintenance or simply the passage of time means that the probability of blockages increases. Hence, it is advisable that, in light of any problems, a professional reviews the facility to prevent damage.

SegurCaixa Adeslas sends notifications to keep insured parties of SegurCaixa Hogar informed of meteorological alerts. You can consult our full data protection policy at www.segurcaixaadeslas.es/proteccion-de-datos.

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Legal information and data protection
Legal information: Remember that you may discontinue the contract without the need to indicate the motives and without incurring any penalties, during the first 30 calendar days following the date on which the Insurer provides you with the documentation corresponding to your policy.  

Basic data protection information: SegurCaixa Adeslas, S.A. de Seguros y Reaseguros, as data controller, will process your personal data to provide the insurance simulation and carry out the profiling required to calculate the amount of the premium. If the policy is not taken out, once ten working days have elapsed since the expiry date of this simulation, the data contained therein will be cancelled. Likewise, your contact data will be used to provide you with information regarding your request, and you may receive a telephone call to the telephone number provided and be sent said information to the email provided.  
The data provided will not be transferred to third parties, unless a legal obligation exists or to supply the service. You can consult further information on SegurCaixa Adeslas’s data protection policy and, especially, on how to exercise your rights of access, rectification, deletion and others, by visiting the following web page: https://www.segurcaixaadeslas.es/en/data-protection