Should I be responsible for a damage caused by the rain

Thank you for your reponse. Yes, I have a licence (and taxes paid every quarter).
The problem is I am in the UK.

I don't have an agreement with my keyholder, it's just a friend. I can't fly. I have no more holiday and cannot take kids from school. Hopeless.  

Yes, he is happy to do that. Just doesn't have any official paper if anybody asks him.

Hi

FLOOD DAMAGE and INSURANCE

CARS and insurance for flood damage

Just in case you do not already know, if you have fully comprehensive cover on your car you are paying a small amount each month to the Consortio. The Insurance will not pay for your car repairs for the Gota Fria but the Corsortio will. You need to make a claim with the Consortio. We only found this out when we were caught out in the last Gota Fria earlier this year when our car was water logged. The Consortio paid out - we had no problem.

HOUSE and insurance for flood damage.

Exactly the same applies as above. If you have House and Contents insurance you are also paying a small amount each year to the Consortio, so you make your claim with the Consortio - as same as you would for the car above.

Need any further advice come back to me and I will look up details of our claim with the Consortio so that you have telephone numbers, addresses of where to claim etc., BUT your Insurance Company should help you with the relevant claim - must add here ours did not help us, but another insurance company did. Hence we changed insurance companies when the car insurance ran out.

Good luck, Remember, if you are insured you are covered, do not accept that you are not, you are paying the Consortio every month so you are entitled to claim.

If you are not insurance, sorry I cannot help you.

Hi Jan,

I have been trying to put the message below on any Quesada forum as an Announcement but I do not think it will let me do that as the Announcements seem to be made via yourself.  Can you please arrange for the message below to be inserted as everybody needs to know that if they have insurance they can make a claim via the Consortio.  Their insurance company will probably tell them they will not pay - this happened to me but I did not give in.

FLOOD DAMAGE and INSURANCE

CARS and insurance for flood damage

Just in case you do not already know, if you have fully comprehensive cover on your car you are paying a small amount each month to the Consortio. The Insurance will not pay for your car repairs for the Gota Fria but the Corsortio will. You need to make a claim with the Consortio. We only found this out when we were caught out in the last Gota Fria earlier this year when our car was water logged. The Consortio paid out - we had no problem.

HOUSE and insurance for flood damage.

Exactly the same applies as above. If you have House and Contents insurance you are also paying a small amount each year to the Consortio, so you make your claim with the Consortio - as same as you would for the car above.

Need any further advice come back to me and I will look up details of our claim with the Consortio so that you have telephone numbers, addresses of where to claim etc., BUT your Insurance Company should help you with the relevant claim - must add here ours did not help us, but another insurance company did. Hence we changed insurance companies when the car insurance ran out.

Good luck, Remember, if you are insured you are covered, do not accept that you are not, you are paying the Consortio every month so you are entitled to claim.

If you are not insurance, sorry I cannot help you.

Good luck,

The Consorcio de Compensación de Seguros (the Insurance Compensation Consortium, or CCS) is a compulsory Government catastrophic risk insurance in Spain. It is an insurance tax charged on prescribed classes of insurance issued by private insurers, providing cover against a series of extraordinary perils and "political risks”

Note: This Government scheme covers direct physical damage only. It is expected that a company ensures their commercial insurance policy covers them against any resulting Business Interruption losses if necessary.

Below is a link to The Consortio web page [in English] – you have to make the claim yourself, do not expect your insurance company to do it.  Mine said they did it, but the Consortio said they never received anything from my insurance company.

https://www.consorseguros.es/web/en/ambitos-de-actividad/seguros-de-riesgos-extraordinarios/mas-informacion/el-recargo-y-su-tarifa

Just trying to help as many people as I can.  I know I would have been glad if somebody had told me this last Easter when we had problems, thank goodness Liberty Seguros in Los Montesinos looked after me and at that time they were not my insurance company, they now are!

Liberty Seguras also helped us 2 years ago after a winter storm, when we were insured by Sabadell, who were absolutely useless. We changed our insurance as soon as we could. 

Just remember, 1 months notice when you cancel your policy.