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Claims for storm damage

Have you suffered damage due to a DANA, torrential rains, floods, or tornadoes? We help you file a claim with the insurance company and/or the Insurance Compensation Consortium.

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Our team of experts by your side to claim compensation for DANA-related damage

Whether underinsurance has been applied without properly reviewing your policy, the on-site or video appraisal was too quick and left out damage (such as storage rooms or furnishings), the compensation is insufficient to carry out proper repairs, or the case was closed too early and damage later appears, the MataSeguros team is here to help you with a wide range of solutions to review, claim, and maximize what you are entitled to.

TECHNICAL ASSESSMENT AND EXPERT APPRAISAL

Analysis of the actual extent of damage to a dwelling, ground-floor premises, business, or homeowners’ association, and comparison of expert reports to identify calculation errors, omitted items, or mistakes in reconstruction costs.

POLICY REVIEW
Review of general and specific policy terms to identify underinsurance, limits and exclusions, and to detect coverages that have not been applied.
REVIEW OF CLAIM DENIALS
Review of claims rejected after the DANA in Valencia to determine whether there is scope for appeal, whether through the application of a community policy, disputable exclusions, or administrative issues such as payments or inheritance matters.
CLAIM FOR UNINHABITABILITY
Claim for accommodation and rental expenses, as well as related losses, when ground-floor dwellings or businesses cannot be occupied or operated following a covered loss.
CONTENTS AND FURNISHINGS VALUATION
Assessment and claim of damage to furniture, appliances, machinery, and contents, including cases of undervaluation, total loss, or concurrent policies.
ELIMINATION OF UNDERINSURANCE

In some cases, the Consortium reduces compensation by applying underinsurance. We review the actual reconstruction cost and the policy terms to determine whether this reduction is justified or can be challenged.

Casos Frecuentes

  • Confusion between insurer and Consortium

    After a DANA event, many claims are delayed or incorrectly paid due to uncertainty over who must compensate: the private insurer or the Insurance Compensation Consortium. We analyze the true origin of the damage and determine who is responsible for payment.
    Ver caso detallado

  • Claims rejected or partially rejected

    In many DANA-related claims, part of the damage is rejected or only partially compensated due to errors in the opening of the claim, restrictive interpretations of coverage, or lack of adequate technical documentation.
    Ver caso detallado

  • Application of underinsurance

    The Consortium may reduce compensation if the insured capital does not reflect the actual value of the property or its contents. We review whether underinsurance has been correctly applied and whether there is any margin for tolerance or correction.
    Ver caso detallado

  • Prolonged delays DANA

    After a DANA event, some claims drag on for months without a clear resolution. We analyze the actual status of the case and take action to unlock pending assessments, reviews, or payments.

  • Damage not included in the initial assessment

    In flood-related losses, many damages are not visible during the loss adjuster’s first visit. Dampness, affected installations, or subsequent deterioration may be left out if the claim is not properly reviewed.
    Ver caso detallado

  • Case closed too early DANA

    After a DANA event, some claims drag on for months without a clear resolution. We analyze the actual status of the case and take action to unlock pending assessments, reviews, or payments.

  • Is it better to sue or hire an independent loss adjuster after a DANA-related loss?

    In most cases, hiring an independent loss adjuster is more effective than suing directly, especially for DANA-related losses, floods, or torrential rain damage. Many claims are reduced due to quick inspections, omitted damage, or restrictive interpretations by insurers or the Compensation Consortium. At MataSeguros, we assess the real extent of the damage, review the policy, and support the claim on technical grounds before taking legal action—often improving compensation and avoiding lengthy procedures.

Preguntas Frecuentes

It depends on the damage; in many cases, the Compensation Consortium is liable.
It covers extraordinary risks if the legal requirements are met.
Yes, many rejections can be reviewed.

Discover how we can help you protect your rights and get the maximum return against your insurance company.

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