Sorry for all the confusion. I called into the Town Hall to clarify matters and the following is what I have been told.
If you are insured (house insurance) any claim for loss or damage may well be dealt with, not by your insurers, but by a body called the Consorcio de Compensacion de seguros del Ministerio de Economia. Any claim under this has to be notified by telephone or over the internet at www.consorseguros.es/ with an electronic signature. Most people will not have this electronic signature and therefore the phone will be the way to claim. So my advice is initially to claim from your insurance company in the normal manner then, when and if, the area is declared a natural disaster area the claim will be dealt with by Consorcio. You will need a photocopy of your insurance policy, a copy of the receipt from the bank for paying your insurance, your NIE, a certificate from the bank of the existence of this account and a detailled lost of all items lost or damaged with photographic and documentary evidence. If possible retaining possession of it. You do NOT need to go into the Town Hall for this.
If you are not insured then that is when you need to go to the Town Hall. It will end up being the same body who deals with it but it goes a different route. However they (the Town Hall) will collate the claims but they also want as much as the Consorcio. So take in all of the above that you have and they will record it. All paperwork should also be in Spanish.
Sorry for the confusion it has been a difficult weekend. I have passed on the messages of thanks for the work so far done by Town Hall to those responsible.
If you are insured (house insurance) any claim for loss or damage may well be dealt with, not by your insurers, but by a body called the Consorcio de Compensacion de seguros del Ministerio de Economia. Any claim under this has to be notified by telephone or over the internet at www.consorseguros.es/ with an electronic signature. Most people will not have this electronic signature and therefore the phone will be the way to claim. So my advice is initially to claim from your insurance company in the normal manner then, when and if, the area is declared a natural disaster area the claim will be dealt with by Consorcio. You will need a photocopy of your insurance policy, a copy of the receipt from the bank for paying your insurance, your NIE, a certificate from the bank of the existence of this account and a detailled lost of all items lost or damaged with photographic and documentary evidence. If possible retaining possession of it. You do NOT need to go into the Town Hall for this.
If you are not insured then that is when you need to go to the Town Hall. It will end up being the same body who deals with it but it goes a different route. However they (the Town Hall) will collate the claims but they also want as much as the Consorcio. So take in all of the above that you have and they will record it. All paperwork should also be in Spanish.
Sorry for the confusion it has been a difficult weekend. I have passed on the messages of thanks for the work so far done by Town Hall to those responsible.
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