Home Insurance Claim Spain
What to do when your home, holiday property or landlord property in Spain suffers damage, theft, flood, fire or any other insured event. Clear guidance in plain English.
Get English Claims Help →How to claim on your home insurance in Spain
Home insurance (seguro de hogar) protects your building (continente), your contents (contenido) and your civil liability as an owner or tenant. Most expat claims fall into a handful of categories — water damage, storm, theft, broken glass, electrical surges and accidents that injure a third party. Here is how to claim and what to have ready.
1. Make it safe and stop the damage spreading
Turn off the water or power if needed, and take clear photos and video of the damage before you clean up or repair. Keep receipts for any urgent make-safe work — reasonable costs to limit the loss are normally covered. For theft or vandalism, file a denuncia (police report) as soon as possible: it is required for the claim.
2. Notify Generali quickly
Report the claim within about 7 days using the 24-hour Generali claims line or the MI GENERALI portal above — or call us and we’ll open and run it for you in English. Have your policy number, the date, and a short description of what happened.
3. The loss adjuster (perito)
Beyond minor amounts, Generali appoints a perito who inspects the damage, agrees the cause and scope and sets the settlement. Don’t throw away damaged items or do permanent repairs until they’ve been assessed. Keep a list of damaged contents with rough values and any proof of purchase you have.
Documentation you’ll usually need
- Policy number and the date of the incident
- Photos/video of the damage and its cause
- The police denuncia (theft, vandalism, attempted break-in)
- Repair quotes or invoices and emergency-work receipts
- A contents list with approximate values (and receipts where possible)
A note on underinsurance
If your sum insured is set too low for the rebuild cost, Spanish insurers can apply the regla proporcional — paying only the same proportion of a claim as you were insured. It’s worth checking your buildings figure reflects the cost to rebuild, not the market value. We’re happy to review it with you.
Other Insurance Claim Guides
We help expats with every type of insurance claim in Spain. Explore our other claims guides:
Need Help With a Claim?
Call Turner Insurance and we will guide you through the claims process in plain English — step by step.