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.
