What to do if your property was damaged in the floods?

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Flood damage Costa del Sol

At the end of last year and again earlier this week, the Costa del Sol was badly affected by heavy rains and floods, which caused significant damage to property. Unlike December’s floods, last month’s flash floods were more localised around Malaga city, but it has raised more questions about what to do if your property is flooded and how to deal with any affects you may have had from the unusually wet winter.

One important thing to stress about this water damage, is that it’s very unusual to have heavy rains such as this. The rains in December were the heaviest for nearly 30 years and so you don’t need to worry about risk of flooding in general in this area, as it is very low. However, if you were flooded in December or last month, it’s important you know what to do about it and who is responsible for covering any damage to your property.

For floods and acts of god such as this, there is a “Consortium of Insurance Compensation”, which is responsible for paying out for some of the damage and then your insurance company who is responsible for others. It can be complicated, with the insurance company saying one thing and the consortium saying another, and it has left people at a loss at what to do.

The first thing to do is contact your insurance provider, explain what has happened and ask whether they can cover it. If they say no, take a look at the Consorcio de Compensación de Seguros website as it will hopefully be able to help you to see if they should cover you or not. There is an excellent article with the exact process of claiming through the consorcio de compensación de seguros from the Olive Press, which will give you lots of good advice. If that isn’t working for you, some lawyers are offering a service where they will deal with the consortium on your behalf to wade through the legaleeze and make sure you don’t fall into any loop holes.

We very much hope you haven’t had significant damage from these floods, but we are seeing a lot of low-level water damage in properties, from small leaks, or cracked paint work, causing damp in the rooms. If you haven’t visited your properties since December, please make sure you get someone to check it over, even if you aren’t located in the worst affected areas. Properties on the Costa del Sol are designed for heat and summer sunshine rather than rain, so damp is often a problem.

If you find damp, cleaning the area thoroughly with bleach, using anti-mould spray, heating and ventilating the property should do the trick. However, if it’s left unattended for a long time then it can turn into a more serious problem, so get someone to check your property and get it sorted.

We are checking all the properties we manage to make sure that the rain and high winds has not caused any damage. We particularly check the roof tiles, flat roofs and terraces, patios and gardens, look for cracks in the paint work outside and of course inside for any signs of damp.

Any properties we do find with damp or mould, we recommend that our cleaning team comes in and thoroughly cleans and ventilates the place and if required we leave a dehumidifier in the property to really dry it out. Once this unusual weather ends and the spring arrives, we will be advising all properties that did have damp over the winter to have the property painted. This gets rid of any lingering smell of damp, covers up any marks it might have left and also protects the house for the future.

If you would like us to come in and check your property and have our maintenance and cleaning division get it looking great again and minimise any long-term damage please let us know. Our comprehensive Costa del Sol property management packages include twice-monthly inspection visits to check the interior and exterior of your property. At each visit we thoroughly air all rooms, check for pests and vermin and recommend action, test all appliances and electrical equipment to make sure all are in good working order, examine all furniture and furnishings for wear and tear, check all sanitary equipment and plumbing and make sure all your security services and equipment are fully functional. If there are any issues, we will email you a report showing any damage, identify what needs to be done to solve these problems and organise repairs.

This is just one of the services we provide for our clients, others include creating an inventory of the property’s contents and giving you an account in our owners’ area where you can check on your property, book visits and cleaning and be aware of what we’re doing for you. We also have a Helpline, which you or your guests can call during office hours with any issues and an emergency service overnight, plus an emergency call-out facility with qualified staff. With these and many other property management services at your disposal, you know that your property is in safe hands and that it is in optimal condition, no matter what the weather might throw at us!

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