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Have you suffered a loss and your insurer won’t pay the full amount? Has the Spanish Insurance Compensation Consortium (CCS) rejected or delayed your payout? You are not alone.

Every year, hundreds of people miss out on thousands of euros simply because they don’t claim correctly, accept the insurer’s first offer, or don’t know how to defend their rights.

This article explains why your payout may be rejected, how to act if your insurer doesn’t cover everything, and the exact steps to successfully claim from both the insurer and the CCS.

Why Might You Not Receive Your Payout?

When you take out insurance, you expect it to respond when you need it most. But many insurers:

Undervalue the actual damage.

Claim the loss is not covered.

Reject part or all of the payout with vague explanations.

Pass the case to the CCS (which can also deny coverage).

Even when approved, the payout might not cover all your losses.

The issue: If you don’t know how to claim properly, you could end up with nothing or far less than you deserve.

Main Reasons for Non-Payment (and How to Avoid Them)

1. Errors in the insurer’s assessment Adjusters may underestimate damages to reduce payouts. This is common in:

Floods and water damage

Structural fire damage

Personal belongings not inventoried

Solution: Request an independent valuation and initiate a counter-appraisal — it’s your legal right.

2. Misinterpreted or limited coverage Some policies contain fine print that restricts coverage:

Roofs not insured

Water damage excluded unless “accidental”

Habitability coverage limited by time or amount

Solution: Review your policy carefully or seek expert help. Often insurers omit coverages that actually apply.

3. Insufficient or poorly presented documentation Without proper proof (invoices, photos, reports), your claim can be denied.

Solution: Save everything from day one: photos, videos, quotes, technical reports.

4. Thinking you can’t claim from the CCS After natural disasters (floods, earthquakes, hailstorms), many think nothing can be done if the insurer doesn’t cover it. That’s not true.

Solution: Learn how to claim from the CCS as explained below.

What Is the CCS and When Can You Claim?

The CCS is a public body that compensates victims of natural disasters or extraordinary losses not covered by private insurers.

You can claim if:

You suffered flood, earthquake, windstorm, volcanic eruption, etc.

You had an active insurance policy at the time.

Your insurer denied coverage citing extraordinary event.

How to Claim from the CCS Correctly:

Check if the event qualifies — confirm it is classified as an extraordinary event on www.consorseguros.es.

Prepare documentation:

Active policy

ID

Photos and evidence

Invoices or quotes

Adjuster report (if available)

Submit the claim online — or by phone/in person.

Warning: Missing documents or poorly explained cases can lead to rejection or months of delay.

If the Insurer or CCS Won’t Pay

Option 1: Claim on your own You have the right to file a written complaint with the insurer or CCS. You may also escalate to:

Directorate-General for Insurance

Insurer’s Customer Service

Insurance Ombudsman (if available)

Option 2: Get Professional Help At MataSeguros, we help people like you secure the full compensation they deserve. We analyze your case, negotiate with your insurer or CCS, and guide you throughout the process — only charging if you win.

Conclusion

Receiving a fair payout shouldn’t be a battle — but often it is. Insurers and the CCS can make mistakes, undervalue claims, or refuse to pay.

Knowing how to claim and getting expert support can help you recover every euro you are owed.

📩 Tell us your case — we’ll help you fight for your rights.