Portal de Lorca
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Now starts the expert's report and payment of claims involving greater complexity and, in particular those in which structural damage can be seen that impede the habitability of buildings
The Consorcio de Compensación de Seguros (CCS), a public body under the Ministry of Finance, is working at full capacity in the processing of compensation for damage to people and property insured by the earthquake in Lorca ( Murcia) on May 11, 2011.
According to the objectives since the beginning of the process by CCS teams are assessing the damage, and in order to start with as quickly as possible the payment of compensation has been made, first, appraisals simplest of claims and the amount and difficulty of media.
The effective work being done by the 200 experts who are conducting the assessment of damage caused by the earthquake has enabled the rapid processing of claims and payment of compensation and advances made to date.
These professionals are working hard to reconcile the need for rigor in their work with the necessary streamlining of assessments.
After two months since the earthquake, and once served 50% of the accidents, the RCC plans to tackle the expert's report and payment of claims involving greater complexity and, in particular those in which damage can be seen structural barriers that impede the habitability of buildings.
In order to address the expert's report and payment of outstanding claims, the CCS has prepared its recommendations aimed at streamlining auctioneers actual survey of the damage, which extract is included below for the dissemination and are also known by the insured , so this helps to promote relations between them and the CCS, minimizing any differences that may arise.
1.
Acceleration of the expert's report and payment records more expensive Having completed the second month since the earthquake, and experts with a credit losses 12,000 over 65 million euros in compensation, it must now accelerate the payment records more complex, whether the expert's report concluding the same or if not feasible, with the necessary precision by determining the final value of the repairs to make, make advances in the coming days based on the estimates contained in appraisal reports issued this purpose.
2.
Activation of the grant of advances In line with the discussion in the previous section, the experts must identify the claims which expert opinion should reasonably extended in time and report on the situation which is the same, its estimated duration, update economic provisions and the proposal to grant an advance in an amount sufficient to facilitate repair work.
Complex expert witnesses should not accelerate in a hurry, but must be activated intensively and simultaneously directed towards the provision of advances of severance.
The disclosures in this and the preceding paragraph is particularly applicable in cases of buildings with major structural damage and buildings demolished or demolished.
3.
Completion of records without an agreement with the insured Experts should submit without delay to the CCS those experts that are completed but failed to obtain the signature of the insured to document expressions of agreement or under the amount of the assessment made by the expert.
This way of proceeding without delay is intended to clarify the provision of CCS not to delay payment for a moment, at least of the allowance through their experts, by the fact that discrepancies may exist with the insured.
In these cases of disagreement:
- The expert of the CCS should explain clearly to the insured of the calculations which show that the compensation offer made
- And desirable, while the insured manifest reasons for the discrepancy and the expert CCS could well contribute to the explanation of the specific causes of it.
In any case, when you disagree with his assessment of the expert and even if there is already paying the amount estimated by the CCS, the insured may continue with the procedure laid down in Article 38 of the Insurance Contract Act and appointing its expert to own, along with the Consortium, quantify compensation.
If no agreement among them may designate a third expert casting.
Furthermore, the insured may file a complaint with the Assured Service Consortium.
In both cases, the CCS would conduct a review process to analyze the relevant arguments made by the insured and, if necessary, make additional payments to correspond.
4.
Details of the calculations of expert assessments is essential to the evaluation of damage with an analytical method, applying the measurement of work units in the unit prices, with reference to these effects as contrasted base prices and general application, subject that in each case the expert should, of course, address the specific circumstances that may attend.
5.
Budgets for the same purpose of documenting a clear and transparent performance expert and the differences, if any, occur with respect to the amounts requested by the insured, experts endeavor to collect the budgets submitted by the insured or the companies that will to make repairs, even if these assumptions are not finally accepted.
In cases of rejection of the budget the expert must inform the insured and if appropriate, to repairers of the lack of acceptance of the budgets and the reason for rejection.
The expert should be calibrated, then if a new budget request or undertake the assessment and expert's report.
6.
Constancia express situations that delay the expert work If there are delays in the work had not expert because the expert provided the essential documentation or because of difficulties to meet with insured or their representative, the expert shall so state so that it tested the constancy of the difficulties that exist.
7.
Prohibition of proposing remedial As has always been essential performance standard of CCS, which is entrusted to professionals who work in these tasks is the expert appraisal of damage, and in no case is to repair or to facilitate or suggest the insured a certain repairs.
Source: Ministerio de Economía y Hacienda
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