Most people have a Home insurance that covers possible claims that cause damage to the home. However, sometimes the repair does not arrive when it should.
We are going to see what is the term to cover a repair and what to do if the insurer does not answer or repair within the term.
If you need specialized advice on Home insurance or any other kind of Insurance, contact Euroteide Insurance. You will have professionals who will give you all the help you need to get the best Insurance adapted to your needs.
Term that the Insurance has to carry out a repair in the home
When an accident occurs in our home, the first thing we think about is calling the Home insurance to communicate it. It is important to do this communication as soon as possible. You must notify the Home insurance of a claim in less than 7 days.
If, after communication, you have not provided an assessment of the damage that has occurred, the term to send it will be 5 days.
Once the communication is done correctly, the insurance company will send an expert to your home to check the damage that has occurred and the cause that has generated it.
If the expert's report causes the insurance company to believe that the claim is not covered, you must notify the insured within 7 days. If the claim is covered, the amount of compensation will be paid or repairs will be made..
Although the response time by the insurer to a claim will depend on the company, when it occurs and where you live, you should know that the deadlines are regulated by Law 50/1980, of October 8, of Insurance contract. This regulation establishes a Home insurance repair period is a maximum of 40 days from the expert opinion for the insurance company to pay the corresponding compensation to the claim or, what happens in most cases, the damage is repaired.
What to do if your Insurance does not answer or does not repair within the term
Yes, after reporting a claim to the Insurance, it does not answer or does not repair in time, it is recommended to follow the following steps:
1. Make a claim through the customer service department or directly before the defender of the insured.
- It can be done by phone or in writing, this second option being the most recommended because it records the claim.
- It will be sent by email, certified mail or burofax. The burofax is the safest option because it records the sending, receiving and content of the claim.
- Documents related to other claims, reports, photos of the accident, police report or witness statements can be attached.
- It is very important to request the claim number. This will help us keep track of the process.
2. File a claim before the General Directorate of Insurance. A month must have elapsed since the previous claim without having received a response. In addition, the following requirements must be met:
- Accredit the claim filed with the customer service of the insurance company.
- The claim must have been dismissed or denied admission.
This claim ends with a report issued by the General Directorate of Insurance and sent to the person filing the claim and also to the insurer. It is not binding and cannot be appealed.
3. Submit sue in court corresponding. If you have already carried out the previous steps and the company still does not cover the claim, you can go to court. This process will entail the costs of a lawyer and solicitor.
As progress is made in the different processes, this will mean that the waiting time for the insured to receive their compensation, if they finally receive it, will be longer and longer. But now you know what to do if the Home insurance does not respond.
Compensation or repair?
When an accident occurs in our home, we must choose whether we prefer to receive compensation for damages or opt for repair thereof.
Home insurance companies offer the option to repair or indemnify when the loss produced is covered by the policy. However, very few incidents end up being resolved with compensation for the client, being in most cases repairing the damage caused by the claim.
This is so, in part, because the insurance company is much cheaper to repair the damage through one of the collaborating companies to pay compensation.
But, in addition, insurers want their clients to be satisfied so that they continue with the policies in their company. The feeling that policyholders perceive when they receive compensation is that they have had to manage everything, with the investment of time that this entails, and the insurer has not done anything for them. Therefore, satisfaction is higher when damage to the home is repaired and the insured does not have to do anything.
It may be the case that we cannot choose with the Insurance of home between compensation or reparation. This is only possible when in the signed policy the waiver of the possibility of compensation appears in any of the clauses.
If you want to make sure that you Insurance of home responds to a possible accident, do not hesitate and contact us. We can advise you and we will be happy to do so in everything related to your Home insurance.
As we have seen, the term for the insurance company to repair the damage caused by an accident or compensate the insured is 40 days.. If you do not receive a response or repair, a claim must first be filed with the insurer's customer service department. If this is not answered, it will go to the General Directorate of Insurance. If you do not agree with the resolution, you can file a lawsuit in the corresponding courts.
I have a problem in a bathroom in my house. The toilet flush tank doesn't work, and an unbearable smell comes out of the sink and shower drains. The insurance company told me that they would see me in a couple of days, but no one shows up here, their excuse is that we are in the month of August, what can I do?
Good afternoon Michael;
This is not a correct answer. The world does not end in August. They should have been diligent and kept their word. Now it's your turn to be patient and wait.
Kind regards.
On November 11, 2022, I reported my neighbor's roof due to water.
After more than two months I received a visit from technicians who repeated themselves over several months, biting me in two adjoining bathrooms...they were never repaired...I had to call professionals to provide a solution after the wait on October 23...
Today, November 16, 2023, my neighbor's roof remains unrepaired.
Thank you HOT LINE!!!!
You should speak to your Insurance Agent or Broker or formally write to the company. In any case, take this matter through legal channels with a lawyer.
Greetings.
Good morning, I have a breakdown at home in the living room, about twenty tiles have been lifted and the insurance says they won't fix it because it's not an insurance issue. It's been a month since I renewed it by paying. €612, can you help me, thank you
Good morning Carmen:
The problem you have is a problem of expansion and settlement of the building. It is very common for this to happen in buildings, mainly when they are new and in their first 10 years. Dilations are not covered by any insurance policy.
You have to fix it on your own. Greetings.
Two months ago the wind blew up part of the roof of my house, my insurance agent notified the insurance company and I'm still waiting without anyone coming to see the incident or giving any sign of life, but they charged my insurance policy 45 days ago. what should I do thanks
You should speak to your Insurance Agent or Broker or formally write to the company. In any case, take this matter through legal channels with a lawyer.
Greetings.
Good afternoon, I have a problem with the home insurance after spending 40 days after the 20th when we gave the report, they didn't call me or anything after humidity coming from the bathroom and today just when I said where I hired him that I was going to put a claim. The insurance called me and I apologized for the delay but due to wear and tear on the bathroom it is not included in the insurance and they told me today since December 20. I don't know what I can do but this has me desperate
You should speak to your Insurance Agent or Broker or formally write to the company. In any case, take this matter through legal channels with a lawyer.
Greetings.
Good morning:
The community insurance has had to open my living room to fix a general downspout in the building. They already repaired the damage, but they left the hole in the wall for me and they don't close it or paint it. I've been complaining about it for more than a month, and they haven't answered me. What I can do?
You should speak to your Insurance Agent or Broker or formally write to the company. In any case, take this matter through legal channels with a lawyer.
Greetings.
Good morning, the 40 days are business or natural days
Good Morning.
They are Skillful.
Greetings.
Hello:
I have had a problem with my shower since May. Water was falling on the one below and they replaced the shower tray (it took a long time to repair it). Everything looked bad, crooked and water kept falling. The plumber and the quality guys from my insurance came again and told me that they had to lift the plate again... look and fix the fault.
We are in December and no one has come. We haven't been able to use that bathroom practically since May.
What I can do? In addition to the settlement, can I request compensation for damages?
All the best
You should speak to your Insurance Agent or Broker or formally write to the company. In any case, take this matter through legal channels with a lawyer.
Greetings.
My neighbor is getting my ceiling wet, I think it's because of the cleanliness, her insurance tells me
It has covered a pore but after waiting a month the stain is getting bigger, now the plumber comes again and says that it doesn't open anything, he changes the cup and that's it... and wait again. What I can do ?
You should speak to your Insurance Agent or Broker or formally write to the company. In any case, take this matter through legal channels with a lawyer.
Greetings.
Good morning! 1 year ago a heating pipe broke in the kitchen floor. To date, about 7 plumbers from the insurance company have come, they have opened my kitchen floor about 3 times, they have welded the pipe, they have even changed a piece of it and they are not able to fix the damage. 1 year later I still have the problem and the ground is open again. I am desperate and they are not able to fix it. The company should not compensate me for the damages caused after 1 year breaking my kitchen floor more than 3 times with the inconvenience caused by these works
Hello, I had a leak in the house because of the neighbor upstairs and he didn't want to ignore it, I reported it to the insurance and the carpenter came to evaluate the damage and he was not satisfied, two months later another company came and evaluated all the sinister damage. and finally the following month an expert was appointed, this as of December to today they inform me that the expert has now finished the report and the insurance company is evaluating conclusions, the time exceeds 7 months, what should I do!?
You should speak to your Insurance Agent or Broker or formally write to the company. In any case, take this matter through legal channels with a lawyer.
Greetings.
Due to a broken drain, a piece of my garden collapsed, I reported it to the insurance, a plumber and an expert came by, but this was a month ago and I have not received any response from the insurance.
Good morning, I have had a leak since March, they came and said that it was a broken drain but since it stopped falling they decided to say that it was due to a blockage, they covered it up and two weeks later it fell again, now we are in June and it has The expert has come to authorize the work but they still haven't fixed it, I'm desperate, I can't take a shower in my own house and I don't know what to do now to get it repaired.
You should speak to your Insurance Agent or Broker or formally write to the company. In any case, take this matter through legal channels with a lawyer.
Greetings.
I have had a leak in my bathroom for almost two months. It's from the pipe on the upper floor that's cracked. His insurance says he will change the tube for a new one, but he doesn't and I still have water coming out and there is an unbearable smell. Since it's not my insurance, they don't pay attention to me when I call them. I don't know how to force them to put the tube here now
.Thank you
Good Morning!!
My home has been seriously affected by the breakage of a community downspout.
I have affected furniture, doors, walls and floors.
An expert has appeared and in his report he gives a solution to the ground. Well, these jobs have been entrusted to different companies and once at home and seeing the problem, they have considered that with what the expert says needs to be done, the soil problem is not solved. They have sent all this to the insurance company so that it can in turn inform the expert. Well, despite these reports, the expert remains in his position and the last thing he says is to wait to see if the soil dries and can be treated. I've been there for 100 days and the soil is still the same or worse.
What do you recommend me to do?
My house is very affected, the repair costs are high and the insurance only prolongs the wait with a solution that the professionals have already said does not end the problem.
Good morning Mr. Oscar:
You should talk to your insurance company, go to them and put this matter in the hands of an expert insurance lawyer.
I speak two or three times a week, they have told me that they have sent the repair company's report to the expert again and are waiting for a response.
What do I do if the expert still does not take into account the opinion of the repair company?
Thank you
Hello, I have caused some damage to the neighbors below as a result of a leak (the leak has already been fixed), when I went to fix said damage they told me that their Mutua has already fixed it and now their Mutua sends me a Burofax to to pay the bill for the repairs, as I am the person who unfortunately caused the damage, I have not been able to choose a professional to fix the damage or an estimate, they do not want to provide me with details of the repair, is it normal that a Mutua fixes damages that a third party has to fix without communicating anything, that is to say, "Madam, please fix the damages, if you don't we will proceed with the repair and then we will send you the bill", no one has taken me into account to fix the damage and now they give me a bill for 2.000 euros. Please can someone who understands the subject answer me. Has the Mutual Fund proceeded well???? Shouldn't they have notified me in advance that they were going to carry out the repairs???
Good morning Mrs. Ana.
Logic tells us that they should have warned her, but we would have to know why this was not the case.
It is best to consult this issue legally at a law firm specialized in insurance.
Greetings.