Home insurance 
Damage due to weather-related phenomena and leakages in the home: what does my insurance policy cover?

We live in a changing world, in which meteorological phenomena are increasingly frequent with more adverse effects, hence why it is advisable to discover your Home insurance coverage and against whom you can claim for such damage, depending on their origin.

Home insurance coverage

Home insurance policies and, in particular, the SegurCaixa Adeslas policies, cover the damage caused by the different meteorological phenomena: snow, hail, rain exceeding 40l/m2*h or wind exceeding 80km/h.

Additionally, SegurCaixa Adeslas offers the inclusion of Leakages protection in the buildings insurance to assume the damage caused by leakages to roofs and façades arising from their wear and tear. 
 

Origin of the leakages

In single-family dwellings, normally the maintenance of terraces, roofs and façades is the responsibility of the insured party themselves, except in cases of semi-detached or terraced houses in which a shared item exist.

There are certain differences in homes belonging to neighbourhood associations.

The Horizontal Property Law establishes that terraces, façades and roofs are owned by the neighbourhood association, despite the fact that terraces may be of private use and enjoyment. Hence, the neighbourhood association shall be responsible for maintaining these items. This means that should leakages occur through any of these items, the repair of the source of the leakage must be carried out by the neighbourhood association.

If you are affected by a leakage from a facility belonging to the neighbourhood association, SegurCaixa Adeslas offers the Legal Protection coverage through which we will manage the claim against the person that has caused the leakage for them to repair the source and stop the leakages.

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