A good home insurance It should cover “liability insurance for the head of the household,” although many people still do not understand how this policy works. Fires have become very common in some areas of Spain since the summer of 2022.
It’s natural that, like many other people, you’d like to know more about what to do in the event of a fire. In this article, we’ll discuss the head of the household’s civil liability in the event of a fire. More specifically, the responsibilities they have if one of your children causes one.
Home Insurance: Can You File a Claim for a Fire?
If you have a home insurance, Yes, you can file a fire claim just like the other people affected by it. However, let’s go over a few important points before we continue. Once the fire has been brought under control and extinguished, you need to act quickly to file a claim for the damages.
However, it is also necessary to determine whether or not the event is considered to be a fire incident. To do this, you should review the relevant regulations and the terms of your insurance policy to determine how to proceed.
You should be aware that, legally speaking, fire-related claims are by far among the most complicated due to the nature of these incidents. It is difficult to prove the causes because evidence—which is essential for determining whether one is victim, injured party, or perpetrator.
Home Insurance: Can You Claim Compensation for Damages?
If you have been affected by a fire, you can file a claim for damages as long as your insurance policy covers it a policy that covers these situations. However, we would like to remind you once again that insurance coverage will only apply if the insured party had no part in causing the fire.
In this regard, both attorneys and technical experts must work together to gather the evidence required for claims. So, what happens if the person who caused the fire is the child of one of the insured parties?
Home Insurance: Civil Liability of the Head of Household
When you purchase a comprehensive home insurance policy, you are also taking on the liability insurance, which is very common in the wording of these policies. If you or any of the insured individuals under your coverage, such as a child, cause unintentional damage to a third party, the insurer will cover the damages.
If your child starts a fire that affects your neighbors, they can file a lawsuit against your insurance company. The question now is whether the insurance company is legally required to cover these damages or not. To answer this, we must return to the issue of proper investigations.
Home Insurance: Intent and Malicious Acts
On the other hand, there may be cases where the insurance company washes its hands of the matter and avoids liability. If it is proven that the fire was intentionally set—that is, if it was a criminal act—the insurance company is under no obligation to cover the damages.
In fact, any proven crime, as well as malicious acts, are not insurable. If the case goes to trial, the insurance company might try to argue that the fire caused by your son was intentional in order to avoid covering the damages.
Home Insurance: Get the Right Advice
It is very important to have good insurance and to understand the terms of your policy. However, it is just as important to seek proper advice or consult with good lawyers before signing any agreement of this kind. That is why, Carlos Baño León Law Firm offers one of the best services.
If you live in Alicante, you’ll have access to excellent legal services when you need them most, especially in cases like this fire incidents. Learn more about our services on our website and contact us if you have any questions.
