Flooded by the DANA? Here's what to do now.
Plain-English help for residents, expats and visitors on the Costa Blanca and around Valencia: stay safe, record the damage, and claim from Spain's flood insurer, the CCS, without getting lost in Spanish paperwork.
CCS phone line: Monday to Friday, 09:00 to 18:00, English available. Free tools; nothing here needs a sign-up.
Check the warnings before you go anywhere
Situation as of 19/10/2026
RED AEMET raised a red warning (aviso rojo, "extraordinary danger") for rain on the southern Valencia coast and northern Alicante coast, from 10:00 on Sunday 18/10; it ended at 10:00 on Monday 19/10 (local time), when the southern Valencia coast dropped to orange until 14:00. Forecasts mentioned more than 300 l/m² in 24 hours in places, and Emergencias sent ES-Alert messages to phones in the area. The Generalitat said La Safor and Marina Alta were the comarcas of most concern.
Reported by ABC, 17/10/2026 and RTVE, 18/10/2026. Warnings change: always check the live links.
Official live links
- AEMET weather warnings map
Spain's state weather agency. Choose "Comunitat Valenciana". - 112 Comunitat Valenciana: incidents in progress
Generalitat emergency service. Also on X: @GVA112 and the "GVA 112 Avisos" app. - 112CV home: alerts and advice
- DGT: road and traffic status
Dirección General de Tráfico (national traffic authority).
Town halls (ayuntamientos)
Your town hall publishes local closures, shelters and, after the storm, damage-report and aid procedures. Pick your town:
Gandia · Dénia · Xàbia / Jávea · Teulada-Moraira · Calp / Calpe · Altea · Alzira
Be aware. Low danger, but vulnerable people and exposed areas could see some impacts.
Be prepared. Significant danger. Take precautions and follow the forecast.
Act. Extraordinary danger. Follow the authorities' instructions and don't travel unless strictly necessary.
AEMET warning levels, from AEMET Meteoalerta help.
The first hours: safety first, then evidence
1 · Stay safe
- Life before property. If water is rising or someone is trapped, call 112.
- Never drive or walk through flood water, underpasses or dry riverbeds (barrancos, ramblas). They fill fast.
- Get to a higher floor rather than going down to garages or basements to move a car.
- Read every ES-Alert message on your phone and follow your ayuntamiento's instructions.
- Switch off electricity at the board only if you can reach it without standing in water.
2 · Record the damage
- Before cleaning anything, film a slow walk-through of every room, then take close-ups. Include the water line on walls.
- Photograph your street, the water outside and your car's number plate (matrícula) next to the damage.
- Don't throw damaged items away before you photograph them. The CCS asks you to keep the remains for its assessor (perito) if you can.
- Keep every receipt (factura) for urgent repairs, pumps, cleaning, tow trucks and hotels.
- Write down the date and time the water came in, and where it came from (street, river, sea, roof).
3 · Prevent more damage
- The CCS expects you to do what's needed so that damage doesn't get worse, like airing rooms or covering openings.
- Don't start major repairs before the assessor visits unless it's unavoidable. If you must, photograph first and keep invoices.
- For cars, the CCS recommends waiting for its assessor before repairs. It covers towing to a reasonably close garage of your choice.
4 · Claim
- Find your policy: insurer name and policy number (número de póliza).
- Call the CCS on 900 222 665 (Monday to Friday, 09:00 to 18:00, English available) or claim online at consorseguros.es.
- Have your NIE/NIF and IBAN ready. Write down the registration number you're given.
- Aim for within 7 days. Late claims are still accepted, according to the CCS.
Am I covered by the CCS?
A quick orientation based on the CCS's published rules. It runs entirely in your browser and nothing is sent anywhere. It's not a decision: only the CCS or your insurer can confirm cover.
Documents checklist
Tick items as you gather them. Your progress is saved only in this browser (localStorage), with no account and no server. Print it, or save it as a PDF, to hand to the assessor.
Spanish phrase cards
The CCS line has English-speaking staff, but town halls, landlords, garages and tow trucks may not. Copy a phrase into a message or read it out.
Scam warning: fake "Consorcio" calls and fake alert maps
Fake CCS or assessor calls
After the 2024 DANA, people reported calls and emails pretending to be the CCS or its assessors and asking for personal or bank details (Unió de Consumidors CV).
- A genuine caller should already know your file number (número de expediente), insurer and property. Ask them to tell you first.
- Never give card numbers, PINs or one-time codes. The CCS pays only by bank transfer to the beneficiary.
- Don't trust hidden numbers. Hang up and call 900 222 665 yourself.
- Be wary of anyone asking for an upfront fee to "speed up" your claim.
Fake warning maps
On 16 and 17/10/2026, AEMET and Emergencias denied a viral AI-generated map showing red and orange warnings for the Valencian Community (VerificaRTVE).
- Only trust warnings from aemet.es, 112cv.gva.es and ES-Alert messages on your phone.
- Screenshots forwarded on WhatsApp are not official, even if they carry a logo.
- Don't scan QR codes on leaflets or "fines" left on cars after a flood.
Spain Flood Claim Kit (PDF, 14 pages)
Everything above, plus fill-in tools for the assessor visit: a step-by-step CCS claim walkthrough, photo and inventory tables, a damage and expenses log, bilingual Spanish and English letters to your insurer, landlord and ayuntamiento, and sections for homes, cars, renters and holiday rentals.
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Questions people ask after a flood in Spain
Who pays for flood damage in Spain?
Extraordinary floods are paid by the Consorcio de Compensación de Seguros (CCS), a public insurance body, not by your insurer's normal cover. You are covered if you had a Spanish insurance policy on the damaged property (for example home/multirriesgo, fire or a car policy) that was in force and paid when the damage happened.
Source: www.consorseguros.es
How do I file a CCS claim?
By phone on 900 222 665 (Monday to Friday, 09:00 to 18:00; English and French available) or online on consorseguros.es. Have your insurer's name and policy number, your NIF/NIE, address and phone, and your IBAN. For a car, add make, model and number plate.
Source: www.consorseguros.es
Is there a deadline, and what do I need for a Storm Adam claim?
The CCS recommends claiming as soon as possible, ideally within 7 days as set by the Insurance Contract Act, but it says it will still accept a claim filed after that. Have your policy number, NIF/NIE and IBAN ready (plus make, model and number plate for a car). Photograph every room, the water line and each damaged item before you clean up, and keep receipts. The CCS covers damage to homes and vehicles, personal injury, and temporary housing if your home cannot be lived in.
Source: www.consorseguros.es
Can I throw away damaged furniture before the assessor comes?
Keep the damaged items for the CCS assessor (perito) if you can. If you have to remove them, photograph everything first and keep invoices for any urgent repairs. If the authorities order removal, ask for a certificate or record of it.
Source: www.consorseguros.es
My car only has third-party insurance. Am I covered?
According to the CCS, since July 2016 car policies that cover only third-party liability also include the extraordinary-risks surcharge, so those vehicles are covered for extraordinary risks too. The CCS applies no excess (franquicia) to cars.
Source: www.consorseguros.es
Is rain coming through my roof covered?
Not by the CCS. Spanish regulations exclude rain falling directly on the property or collected by its roof, terrace, drains or patios. Your ordinary home policy may still cover water damage, so call your insurer.
Source: www.boe.es
Is there an excess (franquicia)?
The CCS applies no excess to homes, residential communities of owners or cars. Businesses, offices and industry have a 7% excess on the damage.
Source: www.consorseguros.es
I'm a tourist in a holiday rental. What can I claim?
Damage to the building and the owner's furniture goes through the owner's policy, so tell the owner or agency straight away and send photos. Your own belongings would need a policy that covers you, such as travel or home insurance. CCS cover only applies through Spanish policies that pay the CCS surcharge, so ask your own insurer. For a hire car, call the rental company first.
Source: www.consorseguros.es
Someone from the 'Consorcio' called asking for my bank details. Is that real?
Be careful. After the 2024 DANA, consumer groups reported calls and emails pretending to be the CCS or its assessors. A genuine assessor should already know your file number (expediente), policy and property. If in doubt, hang up and call the CCS yourself on 900 222 665. The CCS only pays by bank transfer to the beneficiary.
Source: uniodeconsumidors.org
What do the AEMET colours mean?
Yellow: low danger, be aware. Orange: significant danger, be prepared. Red: extraordinary danger, take preventive measures and act on the authorities' instructions; do not travel unless strictly necessary.
Source: www.aemet.es
What is ES-Alert?
ES-Alert is Spain's official emergency alert system. Messages arrive on every mobile phone in the affected area, with a loud tone even in silent mode, with no app or sign-up. Some alerts include a second language, usually English.
Source: www.proteccioncivil.es
Glossary
CCS (Consorcio de Compensación de Seguros): the state-backed body that pays for "extraordinary risks" such as floods, through a surcharge included in Spanish policies.
NIE / NIF: your Spanish identification and tax number. For foreign residents the NIE works as the NIF. The CCS asks for the NIF of the claimant and the insured.
IBAN: your bank account number in international format. The CCS form asks for a 24-character IBAN (a Spanish IBAN is "ES" plus 22 digits). If you only have a foreign account, ask the CCS on the phone.
Póliza / tomador / asegurado: the policy, the policyholder who pays, and the insured person.
Ayuntamiento: the town hall. It handles local emergency info and often local aid.
Empadronamiento (padrón): registration as a resident at your town hall. A certificado de empadronamiento is often requested for public aid schemes.
Perito: the loss assessor sent by the CCS to value the damage.
Expediente: your claim file number, sent to you by SMS or email after you register the claim.
Franquicia: the excess or deductible. The CCS applies none for homes and cars, and 7% for businesses.
Where this information comes from
- CCS: How to claim (solicitud de indemnización): phone 900 222 665, hours, English line, data required, keeping remains and invoices, payment by transfer.
- CCS: FAQ, extraordinary risks: 7-day recommendation and late claims, policies required, excess, cars, repairs.
- CCS: FAQ, DANA October 2024: claim status, policy must be in force and paid on the date of the damage.
- BOE: Real Decreto 300/2004, Extraordinary Risks Regulation: legal definition of extraordinary flood and exclusions.
- AEMET: Meteoalerta warning levels and the live warnings map.
- Protección Civil: ES-Alert public warning system.
- News: ABC, RTVE, VerificaRTVE (fake map).
Disclaimer: this is general information, not legal or insurance advice. Rules and warnings can change. Your policy wording and the CCS decide your cover. See the terms.