The large wildfires that force entire municipalities to evacuate leave a common doubt among those affected: who pays for the hotel, transportation, or food while they cannot return to their homes. The answer is not unique.
In Spain, the possibility of recovering these expenses depends on whether the home has been damaged, the coverages contracted in the home insurance, and the extraordinary aid that may be approved by the administrations after the emergency.
Therefore, experts recommend acting quickly, keeping all invoices, and reporting the incident to the insurer as soon as possible to avoid later problems in processing the compensation.
Home insurance is usually the first avenue to claim expenses
In most cases, the first responsible party for assuming the expenses derived from an evacuation is the home insurance, as long as the policy includes specific coverages for situations of uninhabitability or forced evacuation.
These guarantees are usually activated when the home cannot be used as a direct consequence of the fire and allow covering the cost of a hotel, an apartment, or even temporary rent while repairs are made or return to the residence is authorized.
Each contract establishes its own economic and temporal limits, so it is advisable to review the specific conditions of the policy before contracting accommodation or, if urgency permits, consult with the insurer beforehand.
A preventive evacuation does not always entitle one to hotel reimbursement
Not all evacuations automatically generate the right to recover accommodation expenses.
When authorities order the abandonment of a home for precaution, but the property ultimately is not damaged by the fire, many policies do not cover the cost of the hotel unless they expressly include a guarantee for evacuation ordered by the competent authority.
For this reason, two neighbors evacuated in the same fire may receive different treatment from their insurer depending on the coverages contracted.
Certain transportation and maintenance expenses can also be claimed
In addition to accommodation, some policies contemplate the reimbursement of other expenses directly related to the evacuation.
These may include trips to the accommodation place, fuel, public transport tickets, or taxis when necessary due to the emergency situation.
In certain circumstances, maintenance expenses can also be covered, especially if they are part of the temporary accommodation coverage or if public administrations approve specific aid for those affected by the disaster.
In any case, it will be essential to keep all payment receipts to prove the economic damage suffered.
What happens if the evacuated person does not have insurance
People who lack home insurance are not necessarily left unprotected.
The Ministry of the Interior provides aid aimed at alleviating certain personal and material damages resulting from emergency situations or catastrophic nature. Furthermore, when the magnitude of the fire justifies it, the Government can approve an extraordinary package of economic aid for those affected through a royal decree-law.
These measures may include subsidies for housing, belongings, temporary accommodation, or other basic needs, although their content depends on the specific regulations approved for each emergency.
Keeping all invoices can make a difference
One of the most common mistakes after an evacuation is not keeping the necessary documentation to justify expenses.
Experts recommend keeping hotel invoices, restaurant receipts, fuel receipts, transport tickets, taxi vouchers, and any other document related to the evacuation.
It is also advisable to keep official communications about the eviction and take photographs of the state of the home if it has suffered damage, as this documentation will facilitate both the claim with the insurer and the request for possible public aid.
The Insurance Compensation Consortium usually does not cover forest fires
One of the most common confusions is to think that the Insurance Compensation Consortium automatically compensates all people affected by a large forest fire.
However, the Consortium mainly acts against so-called extraordinary risks, such as extraordinary floods, earthquakes, tsunamis, volcanic eruptions, or atypical cyclonic storms.
Forest fires, as a general rule, do not fall under those extraordinary risks, so the expenses derived from an evacuation usually depend on private insurance or public aid that may be approved by the administrations.
The order to claim can speed up the payment
After an evacuation, specialists recommend communicating the incident to the insurer as soon as possible and following the instructions they provide regarding accommodation or covered expenses.
From that moment it is advisable to keep all invoices and payment receipts and, if the insurance does not cover all expenses or the person lacks a policy, to inquire about the extraordinary aids that the State, the autonomous community, or the municipality may provide.
Public aids are usually compatible with insurance compensations, although they do not allow receiving double compensation for the same economic damage. Therefore, it will be necessary to prove which part of the damages has already been compensated and which remains pending compensation.