{"id":4636,"date":"2026-01-14T13:48:30","date_gmt":"2026-01-14T13:48:30","guid":{"rendered":"https:\/\/grupoxandra.eu\/?page_id=4636"},"modified":"2026-02-18T10:39:09","modified_gmt":"2026-02-18T10:39:09","slug":"algemene-vragen","status":"publish","type":"page","link":"https:\/\/grupoxandra.eu\/en\/algemene-vragen\/","title":{"rendered":"General questions"},"content":{"rendered":"
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General questions: natural disasters in Spain<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Do you have any questions? We will gladly give you clear answers<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Am I insured against natural disasters in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. In Spain, through your insurance, you automatically contribute to the Consorcio de Compensaci\u00f3n de Seguros (CCS).<\/span>, which covers certain natural disasters.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What is the Consorcio de Compensaci\u00f3n de Seguros (CCS)? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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The CCS is a Spanish government agency that compensates damages for severe and exceptional events, independent of your insurer.
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What events are covered by the CCS? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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These include severe floods, earthquakes, exceptional storms and certain social events such as terrorism.
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What is meant by \u201cextraordinary risks\u201d? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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These are rare events of exceptional strength or impact, clearly more severe than normal weather conditions.
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Who handles my claim: the insurer or the CCS? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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It depends on the type of claim. Sometimes the insurer handles the case, but the compensation comes (in part) from the CCS.
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How do I find out if my claim is covered by the CCS? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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In practice, you often notice little difference. We review for you who is competent and guide you to the correct notification.
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What is a disaster area declaration (zona catastr\u00f3fica)? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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This is an official decision of the Spanish government after a major disaster, independent of your insurance and the CCS.
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Does a disaster area declaration affect my insurance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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No. Public support is completely separate from insurance coverage and from the CCS system.
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Can I get government assistance in addition to insurance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, sometimes they do. That depends on government decisions and applies in addition to any insurance reimbursements.
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How does GrupoXandra help me during natural disasters? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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We will review your policy, guide the appropriate notification and keep you informed in writing until there is clarity.
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Had damage? We'll take care of it for you.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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A claim is annoying enough, especially if you are in another country and not <\/span>everything proceeds in your own language. That's why we make sure that your damage <\/span>is handled correctly, clearly and as smoothly as possible.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\treport a claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Algemene vragen: natuurrampen in Spanje Heeft u vragen? Wij geven u graag duidelijke antwoorden Schade melden Ben ik in Spanje verzekerd tegen natuurrampen? Ja. In Spanje betaalt u via uw verzekering automatisch mee aan het Consorcio de Compensaci\u00f3n de Seguros (CCS), dat bepaalde natuurrampen dekt. Wat is het Consorcio de Compensaci\u00f3n de Seguros (CCS)? Het […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4636","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4636","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/comments?post=4636"}],"version-history":[{"count":25,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4636\/revisions"}],"predecessor-version":[{"id":6583,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4636\/revisions\/6583"}],"wp:attachment":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media?parent=4636"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}