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Deadlines for making insurance claims in Spain (and when it is too late)
When it comes to insurance claims, time is of the essence. If you are unsure whether to “claim now” or “wait a while”, my advice is simple: document e...
1/8/2026
Vehicle appraisal: how a car is valued after an accident
When a vehicle is involved in a serious accident, many people discover that the problem isn't just the damage itself, but **how the vehicle is valued*...
1/2/2026
Pre-existing damage and lack of maintenance: the insurer’s most common excuse to avoid payment (and how to dismantle it)
When an insurance company wants to close a claim without covering the actual cost of the loss, two phrases come up time and again: > “That damage was...
1/2/2026
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
Insurance claim denials: real cases and how they can be overturned
When an insurance company denies a claim, the message is usually clear and seemingly final: “Not covered”, “does not apply”, “the policy does not incl...
12/5/2025
The Emotional and Financial Difficulty of Claiming Home Losses
Imagine coming home after a long day at work, only to find chaos: a burst pipe, a fire, or something that has left your house in ruins. At first, you ...
11/28/2025
Independent medical evaluation after an accident: when it's key and what changes
When an accident occurs, many people believe that the main issue is the visible damage or the initial impact. However, in personal injury cases, the f...
9/20/2025
Why insurance claims are denied (and when you can challenge the decision)
### Real cases: when an innocent sentence changes the entire claim In many insurance claims we review, the real problem is not the damage or the poli...
8/25/2025
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
Smoke damage, mitigation works and secondary effects after a fire: what insurers often undervalue
When a fire occurs, most people assume that the main damage is caused by flames. In practice, however, fire is rarely the only issue. In most claims, ...
8/13/2025
GANVAM Tables: what they are, how they are used, and when they fail to reflect your car’s real value
GANVAM tables are commonly used as a reference for vehicle valuation after a claim. Insurers and loss adjusters rely on them daily, especially in tota...
6/27/2025
# Capital Compensation in insurance: when it can make a real difference to your claim
### Introduction In many insurance claims, especially when the compensation offered is lower than expected, there is a technical concept that often go...
6/12/2025
Bodily injury assessment: why many compensations are settled too early
One of the most delicate situations following an accident is not only the injury itself, but **how that injury is assessed** and when the case is clos...
6/12/2025
Second vehicle assessor: when it’s worth it (and when it’s not)
Not all cases require a second expert. But when the difference is significant, making a difference is possible. After the DANA storm, we've seen a r...
5/23/2025
When and Why You Need an Advocate in Your Insurance Claim
Insurance claims can be a frustrating, exhausting process, especially when insurers drag their feet, give vague answers, or outright avoid responding....
5/16/2025
How to speed up the claims process with your insurance company
# How to Speed Up Your Insurance Claim You have an accident. You report it to the insurance company. And then the waiting begins. Days, weeks... even...
5/13/2025
Why did the adjuster give a low estimate — and how to claim a fair settlement?
When you experience a loss, the last thing you need is to feel betrayed by the insurer you trusted. But there you are, reading the adjuster’s report, ...
5/7/2025
Insurance claim denied: what to do next
Getting a “no” from your insurer when you need it most can be frustrating and disheartening. After paying your premiums for years, you expect your ins...
4/21/2025
The Purple Room
## Cheap Turns Out Expensive You might say this phrase is wrong, an exaggeration, or something only people with lots of money would say. But let me s...
4/3/2025
Damage to homes and businesses: How to claim when the insurer does not pay
What no one explains when an insurer values damage after a flood, storm or fire After a flood, fire or severe weather event, many people realise that...
3/12/2025
The hidden costs of water damage – what your insurance might not cover
Imagine this: one day your house is full of water after a storm or a burst pipe. You clean everything, call the insurer, and an adjuster comes to chec...
3/5/2025
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
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
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
Why claiming on your home insurance is so complicated
In theory, making a home insurance claim should be simple: damage occurs, the insurer is notified, and compensation follows. In reality, many policyho...
11/16/2024
My insurer won’t answer my calls — is everything lost?
Tell me if this sounds familiar: When you were signing your insurance policy, everything was smiles. Your broker told you that all the paperwork was ...
11/15/2024
The one who doesn’t cry doesn’t get fed: why insisting the wrong way doesn’t improve an insurance claim
You may have heard this saying all your life: “The one who doesn’t cry doesn’t get fed.” It is a popular expression that still circulates because, to...
10/15/2024
Avoid These 5 Mistakes When Filing an Insurance Claim
If you think your insurance will solve your problems when you need it most, get ready to face new ones — caused by the insurer itself. You pay your p...
10/11/2024
Cash theft and insurance: why many claims are rejected
Claiming against your insurance company usually doesn’t fail because you’re wrong, but because of avoidable mistakes in how the claim is presented. M...
10/4/2024