He recovers his entire business amid chaos

Real case: from an insufficient offer to tripling the compensation

This is a real case of a business that went from receiving a clearly insufficient offer to tripling the compensation after properly challenging the insurer’s assessment.

Luis suffered a flood in his premises caused by a failure in the building’s drainage system. The damage affected both the physical space and the business activity, forcing a temporary closure and resulting in significant financial losses.

The insurer carried out an extremely low initial assessment, offering just €1,000, an amount that did not even cover a minimal part of the material damage or the losses caused by the closure. At that point, the claim appeared to be heading toward closure without a fair solution.

After carefully analyzing the policy and the loss, MataSeguros rebuilt the claim from the ground up:

• All material damage was correctly assessed.
• Business interruption losses were properly justified.
• The necessary documentation was provided to defend the case before the insurer.

The result was a compensation three times higher than the initial offer, allowing Luis to repair his premises, reopen the business, and resume normal operations.

This case shows that a poor initial assessment does not have to be the final outcome when a claim is handled with technical expertise and the policyholder’s rights are properly defended.