Community Insurance Claim Spain

How to claim on your community insurance in Spain

Community insurance (seguro de comunidad) covers the building’s shared areas and the residents’ association (comunidad de propietarios) — the structure, communal installations, lifts, roofs, façades, pools and the community’s civil liability. Because the cover belongs to the community, the claim is normally opened by its administrator rather than by an individual owner. Here is exactly how it works and what to do.

1. Make the area safe and limit the damage

Your first duty is to stop the damage getting worse — for example closing the water stop-cock for a burst pipe, or cordoning off a fallen section of render. Take clear photos and video before anything is cleaned up or repaired, and keep receipts for any emergency work; insurers reimburse reasonable steps taken to prevent further loss.

2. Tell the administrator and notify Generali quickly

Report the incident to your administrador de fincas (community administrator) and to Generali as soon as possible — Spanish policies generally expect notification within 7 days. You can use the 24-hour Generali claims line or the MI GENERALI portal above, or simply call us and we will open and manage the claim for you in English.

3. The loss adjuster (perito)

For anything beyond a minor amount, Generali appoints a perito (loss adjuster) who inspects the damage, agrees the cause and scope and sets the indemnity. Don’t carry out permanent repairs until the perito has inspected (emergency make-safe work is fine). Where the cause involves a neighbouring property — very common with leaks — the two insurers’ adjusters settle liability between them.

Documentation you’ll usually need

• The community policy number and the administrator’s details
• Photos and video of the damage and its cause
• A short written description and the date it happened
• Repair quotes or invoices, plus any emergency-work receipts
• For liability claims: the injured person’s details and what happened
• For weather events: the date of the storm

Common community claims on the Costa Blanca

Water damage (filtraciones) is by far the most frequent — a leak from a communal pipe, a flat roof or a pool that reaches a private flat, or a leak between two flats. Storm and wind damage to roofs, façades and communal gardens is also common, as is civil liability when a visitor is injured in a shared area (a slip by the pool, a falling tile). Lift breakdowns and water-pump failures round out the typical list.