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Losing your business operations due to a natural disaster — like the DANA — is something hard to imagine until you’ve lived through it. In a matter of hours, your furniture, equipment, or even stock can be completely ruined. The first thing most business owners do is call their insurer, hoping for a quick and fair solution. Unfortunately, that doesn’t always happen. The claims process is often more complicated than it seems, and without the right guidance, you may end up with a payout that barely covers a fraction of your real losses.

The Big Challenge: Proving Your Economic Losses

One of the main problems in filing a commercial claim is the lack of documentation to prove losses. How do you prove the value of furniture that no longer exists because it was swept away by water? What if it was part of a business transfer and you have no invoices? These situations are far more common than you might think — and they make the claims process much harder.

Having proper documentation is key for insurers to approve a claim and offer a fair payout. Yet many affected businesses lack updated inventories, pre-damage photos, or invoices for destroyed goods — and we get it.

The Shock of Insufficient Payments

We’ve seen countless small business owners who, confident they’d receive a fair settlement, are shocked when Spain’s Consorcio de Compensación de Seguros pays out an amount that is ridiculously low. This public body, meant to cover damages caused by natural disasters, often underestimates losses or calculates payouts using criteria that don’t reflect the reality of what you’ve suffered.

Recovering a business is already a near-impossible mission, and an insufficient payout only makes it harder. After investing so much time and money trying to get back on your feet, getting a compensation that doesn’t even cover basic repair costs can feel devastating — even like the end of the road.

Hidden Damage: A Long-Term Problem

Another challenge is the damage that doesn’t show up immediately. After a flood, for example, you might not notice problems until days or weeks later — swollen flooring, tiles breaking loose, or mold forming in areas that didn’t fully dry. These “hidden damages” not only increase repair costs but also complicate claims, as insurers often try to avoid covering them, arguing they are not directly related to the original event.

At MataSeguros, our technical team specializes in documenting both visible and potential hidden damages. This ensures your claim is comprehensive — so you don’t leave money on the table.

Our Commitment to Affected Businesses

We know the claims process can be frustrating: hours on the phone, endless paperwork, unclear answers.

Our goal at MataSeguros is to simplify it all so you can focus on what matters most — getting your business back up and running.

How We Help You

Full claims management: We handle all communication with the insurer so you don’t waste valuable time.

Technical damage assessment: We professionally document visible and hidden damages to build a strong claim.

Business interruption compensation: If your policy includes this coverage, we calculate your lost income and ensure the insurer acknowledges it.

No-risk model: We work on a success-fee basis — we only get paid when you do.

Take Back Control of Your Business

Losing equipment, inventory, or seeing your business shut down after a disaster is devastating — but you don’t have to face this process alone.

We’ll walk with you every step of the way. We know how important your business is to you, and our mission is to help you get the compensation you truly deserve.