Spain Flood Claim Kit

What's inside

1. Cover and quick-start: the five things to do today.
2. Is it a CCS claim? A decision guide covering flood water vs. roof rain, policy in force, home, car, renter and business.
3. Step-by-step CCS claim, by phone or online: the data you need, what you'll be asked, and your registration number.
4. Photo and evidence plan: a room-by-room shot list.
5. Inventory table: item, room, age, price, receipt and photo reference.
6. Damage and expenses log: dates, invoices (facturas) and calls.
7. Letter templates (ES + EN) to your insurer, landlord and ayuntamiento, plus a request for a file update.
8. Car section: towing, garage choice, total loss (valor venal), hire cars.
9. Renters and holiday rentals: who claims what.
10. Contacts and scam-proof script, plus a glossary of Spanish terms.

Based on the official CCS rules (sources listed in the PDF). Not legal advice. Last checked 19/10/2026.