A big headache occurs when there is a breakdown at home or a theft, dampness, appliances that stop working, broken shower tray … If you have home insurance, according to the contracted policy, it will take care of the repair and possible indemnities But as the casuistry is diverse, the insured is not always happy with the performance of the insured in their home. Therefore, this time we are going to explain how to claim home insurance.
Claim before the insurer itself
If you have any complaints, inform your insurance company. To be able to be in writing. The usual thing is that companies have an email or complaint service for their insured. If not, you can contact their Customer Service Department to file a claim, or the Insured Ombudsman appointed by each Company.
This claim must be sent by a means of which the referral is recorded, for example, burofax with text certification or registered letter, or by going directly to one of their offices with your writing and a copy, keeping the latter duly stamped.
General Directorate of Insurance and Pension Funds
If after those two months that we mentioned, you have not obtained an answer, or it is unfavorable, you can go to the General Directorate of Insurance and Pension Funds. This body, in addition to managing claims, advises the insured regarding their rights.
The General Directorate of Insurance and Pension Funds has four months to respond, although it usually takes up to six or eight months due to the number of claims that have been filed in recent years. The biggest problem with this body is that its decisions are not binding and although most insurers choose to comply with the resolution when it is favorable to the client, there are cases in which the company ignores it.
Claim home insurance in court
When this happens, or in cases in which the General Directorate of Insurance has not resolved in your favor either, the judicial route remains the last option. An option that may be slower, but that in many cases is necessary to protect your rights against the home insurance company. Finally, keep in mind that you have a period of two years to file the claim.
Other claims to insurance companies
At reclaimer.es we help you claim your compensation for a traffic accident. Our expert lawyers help you and accompany you throughout the process to improve the compensation offered by your insurer for the accident you suffered.
At reclamador.es we carefully study the documentation you provide us and calculate the maximum compensation that by law corresponds to you after suffering a traffic accident. Do not hesitate, at Reclamador.es you have expert lawyers who will defend your interests.
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