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Is It Worth Claiming Against Your Insurance? How to Know Before You Lose Time (and Money)
After a loss, many people ask themselves the same question: > “Is it really worth claiming… or am I just wasting my time?” It’s a fair doubt. When a...
1/3/2026
Multiple insurance policies for the same claim: why poor coordination reduces compensation
When a complex claim occurs, many people assume the problem is that the insurance does not cover the loss. In reality, the real issue is often that **...
1/1/2026
Home insurance: what it really covers and why many payouts fall short
### What is Building and Contents in Home or Business Insurance? One of the most frequent errors in insurance claims lies not in the loss itself, but...
1/1/2026
Policyholder’s loss adjuster: when it makes a real difference in an insurance claim
When a loss occurs, most people trust that the insurance company’s loss adjuster will correctly assess the damage. In many cases this is sufficient, b...
12/30/2025
Underinsurance in commercial premises: common mistakes and how to prevent them
You insure your business, pay your premium every year, and think that if something happens, you'll be covered. But then a fire, flood or burglary occ...
11/20/2025
What happens if what is stated in your policy does not match the Land Registry?
You have a house. You insure it. You pay your policy every year. And, like many people, you think, ‘I'm covered.’ Until disaster strikes. And then y...
11/13/2025
What Is the Proportional Rule and When Does It Apply in Insurance?
You suffer a loss. A fire, a flood, an explosion. The good news: you’re insured. The bad news: your insurer says your compensation will be much lowe...
9/24/2025
Community insurance: common mistakes that reduce compensation
### Introduction When a loss occurs in a homeowners’ association — a flood, storm damage or a fire — many owners realise they do not clearly understan...
8/14/2025
Insured capital vs. real value: the mistake that could cost you thousands of euros
## Taking Out Insurance Doesn't Always Mean You're Protected One of the most common—and dangerous—mistakes is insuring for less than the real value, ...
6/4/2025
Policyholder Rights — How to Enforce Your Claims
Taking out insurance gives you peace of mind. But that peace can quickly break when, after a loss, your insurer does not respond as expected. At that ...
4/24/2025
What Tolerance Does the Consorcio of Compensation Apply to Underinsurance?
You sign up for an insurance policy, pay your premiums, and believe that you’ll be protected against whatever comes. Then a catastrophic event happens...
4/7/2025
Is a cheap insurance policy really a good investment?
Don’t be fooled! Maybe you’ve thought: “Better to get a cheap policy and save a few euros every month.” But what happens when a problem comes up and y...
2/10/2025
How to correctly calculate the reconstruction value of a home or business property
You buy a house, or open a business. You get insurance, choose an insured value… and that’s it. Or is it? Because very often, what you’ve insured is ...
2/3/2025
DANA events and the insurance compensation scheme: how to claim and avoid compensation errors
After a DANA or severe flooding event, many policyholders assume that compensation will be automatic. In reality, many claims are undervalued, closed ...
1/24/2025
Underinsurance and the proportional rule: why insurance pays less than expected
One of the most frustrating situations after a loss is discovering that, even though the insurer accepts coverage, the compensation is far lower than ...
1/21/2025
How Does Underinsurance Affect Your Claims?
You've paid for your insurance. You have coverage. And yet, when a claim arises, you’re faced with a payout far below what you expected. The reason? O...
1/15/2025
What to do if your insurance claim is rejected
You report your claim, follow all the steps, and wait for your payment… only to receive a letter saying your claim has been denied. That same insurer ...
12/9/2024