High-Level Isolated Depression (DANA) is an extreme meteorological phenomenon that, in just a few hours, transformed familiar landscapes into scenes of devastation. Between October 28 and November 4, 2024, this storm left a trail of destruction across Spain, affecting thousands of families, businesses, and communities. Images of flooded streets, demolished homes, and businesses paralysed reflect the brutal impact these events have on people’s lives.
The damage is not just material; behind every damaged property or economic loss, there are stories of struggle, uncertainty, and efforts to return to normality. DANA has highlighted the importance of having clear legal tools and processes in place to mitigate its consequences. In this article, we at Ayuela Jiménez aim to contribute by providing a practical guide to help those affected understand how to claim the damages suffered, whether through insurance, public aid, or fiscal measures.
Insurance Coverage and the Insurance Compensation Consortium: How Does Coverage for DANA Damage Work?
When extraordinary events like DANA occur, the Insurance Compensation Consortium (CCS) is the body responsible for compensating damages, provided the affected property has an active insurance policy. According to Royal Decree 300/2004, damages that can be claimed include: Personal injuries, Property damage, and Vehicle damage.
Steps to Manage Compensation with CCS
- Request Compensation: You can apply by calling 900 222 665 or via the official CCS website.
- Gather Key Documentation: Photographs, medical reports, invoices, and evidence supporting the damage.
- Expert Assessment: An appointed expert will assess the damage and determine the compensation amount.
Public Aid: State and Regional Aid Available – Who Can Apply?
Royal Decree 6/2024 establishes economic measures to mitigate the effects of catastrophic emergencies. These aids are available for:
- Homeowners and tenants affected.
- Freelancers and small businesses whose activities have been interrupted.
- Communities of owners needing repairs to common areas.
Types of Covered Damages and Amounts
- Personal injuries: Up to €72,000 for cases of death or disability.
- Homes and belongings:
- Destroyed homes: Up to €60,480.
- Structural damage: Up to €41,280.
- Essential household items: Up to €10,320.
- Business aid: Grants ranging from €5,000 to €150,000, depending on the level of impact and annual turnover.
Applications can be processed both in person and online, especially in the 78 municipalities declared as severely affected.
Fiscal Measures for Those Affected by DANA
Individuals and businesses affected by DANA also benefit from a package of fiscal benefits designed to ease the financial burden caused by the disaster: Tax reductions, Extension of deadlines, and Exemptions and moratoriums.
Labour Impact and Reconciliation Measures:
- Paid leave: For those unable to access their homes or who must care for affected family members.
- Suspension of contracts: Businesses can request temporary suspensions due to force majeure, benefiting from Social Security contributions exemption.
- Self-employed workers: Can access temporary cessation of activity and moratoriums on their contributions.
Conclusion
The effects of DANA go beyond visible damage, impacting the daily lives of thousands of people. At Ayuela Jiménez, we understand the challenge of navigating legal procedures during these difficult times. That’s why we’ve created this guide to help those affected claim what they are entitled to and return to normal as soon as possible.
We have attached the detailed PDF with all the information below:
