01 When you can bring a claim against your home insurer
You try to get in touch with your insurer and they do not respond. You do not know what steps you can take to bring a claim. You are looking for a law firm in Madrid to help you with your home insurance claim in Madrid, and you have not found one yet.
You do not know when you can claim against your home insurer, or what procedure to follow. Where you have notified a loss to your home insurer and they have not replied within 40 calendar days of the notification and the loss adjustment, you can bring a claim if the contract you signed covered that incident. You can also claim where the customer service is not what it should be or where you do not accept the compensation the insurer is offering.
02 Breach of the terms
If your home insurer does not comply with the terms set out in the contract, it is not giving you the service you agreed when you took the policy out. That breach can be an infringement of your rights as a policyholder in the event of any incident at your home.
03 The advantages of going to court against your home insurer
Before starting court proceedings against your home insurer, you will first have to bring a claim to the company itself. You do that first by contacting the customer services department or the policyholder's ombudsman the insurer has appointed. Once you have done that, you will have to send a claim by recorded delivery, by burofax or as a letter, with a copy to any of the company's offices.
If your insurer does not reply within two months, you can send a letter by recorded delivery to the Spanish insurance regulator setting out everything that has happened. You will need to add evidence such as photographs and video and, if there has been personal injury, the medical reports. You will also have to explain to the regulator why you believe your company has closed your case.
Where the regulator does not issue a decision in your favour, you can start a claim through the courts.
04 Claims that are easier to handle
Whenever you have a law firm handling your home insurance claim, the claim will be far easier and far more straightforward. Going through the courts always gets you an answer, whether or not it is in your favour.
05 A faster claim
The claim against the insurer is filed with the civil courts. If you have all the documents you need to submit ready, everything will be far easier. Bear in mind, though, that if you have not yet decided to bring a claim, you have two years to file it against your home insurer.
06 A better chance of success
Going to court is the only route that protects your rights against a company. So if you think your rights have been infringed or the insurer has broken the contract, you will have a better chance of success, since you will be going to an impartial body for a decision, whether or not it goes your way.
07 Instruct our lawyers for your home insurance claim
Getting in touch with our lawyers to make your home insurance claim is very straightforward. We are Escalera & Tuset, a firm specialising in home insurance claims with more than 10 years of experience in this field. To find out more about what we do, get in touch through the form on our website. If you prefer, you can send us an email setting out your case or call us on the phone. We will be glad to help you with whatever you need to claim against your insurer.
