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.

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.

• 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.

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.

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.

• 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

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).

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.

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.

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.

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.

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.