How to handle a home insurance claim?

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How to handle a home insurance claim ?

Whether you own or rent a house in Spain or Portugal, you must, in most cases, take out home insurance to protect your movable property and your walls.

If you take out this insurance with INOV Expat your insurance broker: fires, water damage, natural disasters, robberies, damages caused to a third party... Every problem will be covered and...

-> You'd have the guarantee that the management of your claim will be treated efficiently!

What to do in case of a home insurance claim ?

You are a victim, for example, of water damage: a pipe problem occurs and causes overflows in your kitchen, causing a flood in your home. We will therefore have to quickly manage this incident!

Don't panic, you're covered! INOV Expat will support you throughout the management of your claim.

First thing to do: The declaration of your home insurance claim. It must be carried out within a maximum of 7 days. Being an INOV's customer, you will be able to do it quickly and according to your preferences:

Online

-> filling a form indicating your personal information, your NIE number, your insurance company, policy number, and explaining your claim to us on this link: https://www.inovexpat.com/en/declare-a-claim/

By telephone

-> it is possible to reach our advisers from Monday to Thursday from 9 a.m. to 6 p.m. as well as Friday from 9 a.m. to 2 p.m. at +34.93.268.87.42 or through WhatsApp +34.627.627.880. You can do it in the language of your choice (French, English, Russian, Portuguese or Spanish). Outside these hours, you can contact the insurance company directly. You can see below "What to do if the claim occurs outside our opening hours?"
By email:

-> you can contact your trusted Inov's agent directly or write to [email protected] if you prefer specifying the circumstances of your claim.

How will INOV Expat help you?

First, our advisers will tell you the next steps to follow!
Once you have made your claim, we will contact your insurance company and do everything for you. It will generally start by agreeing to a meeting with an expert to evaluate the damages.

Then, we will suggest an appointment with a repairer from the company. In that case you don't have to pay the repairs. If you preferred you can use the services of an external repairer. In that case you will have to pay the bills first. We will the claim for the bills directly with your company so can be reimbursed. You can choose the option you prefer.

Finally, we will follow up on your claim to guarantee a quick solution. In case of disagreement with the insurance company, we undertake to defend your rights and to check the general conditions so that you are sure that your contract is always respected.

Our goal: to get you an effective solution as quickly as possible!

What to do if the home insurance claim occurs outside our opening hours?

If your problem happens outside of our management hours (Monday to Thursday from 9 a.m. to 6 p.m. and Fridays from 9 a.m. to 2 p.m.), don't worry, your insurance company has an emergency number that you can call 7 days a week and 24 hours a day!

List of companies with their emergency number:

AXA: 91 837 89 03
Liberty: 900 243 657
Plus Ultra: 91 783 83 83
Generali: 91 112 34 43

We remain available for any further information, do not hesitate to contact us!

Even in case of a claim, be easy with INOV!

Need more information about home insurance ?

Please read our articles:

INOV Expat: Who are we?

INOV Expat is an insurance brokerage firm aimed at expatriates in Spain and Portugal

INOV Expat is right there to help you: giving you the best advice on insurance, in English!

In fact, after 14 years, INOV Expat, an insurance brokerage firm, specialises in insurance for French and English-speaking expatriates in Spain and Portugal, at their destinations. As insurance professionals, we’ve signed partnership agreements with the best insurance companies in the market. All INOV Expat consultants are expatriates who will be able to advise you best in the language of your choice (English, French, Russian, Spanish, Portuguese…)

Ask you free quote online : car, health, home, life, travel, others. Look at our website inovexpat.com or contact us by e-mail at [email protected], by telephone at +34.93.268.87.42 or WhatsApp +34.627.627.880