Latest news and stories about insurance claims in property in Portugal for expats and residents.
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Deco Proteste announced today that it has set up a telephone helpline to assist consumers affected by severe weather and to answer questions about payment moratoria, insurance, housing damage and service billing adjustments.
Storm Kristin caused damage mainly in the centre of the country and has so far resulted in at least five fatalities. From Wednesday to Sunday evening, Generali Tranquilidade registered more than 3,000 claims notifications, “which represents an increase of about ten times compared with normal levels”, they told ECOseguros. ...
In the middle of a storm it’s always hard to get organised. However, you should bear in mind a few tips to gather documentation and evidence, whether or not you have insurance for the damage caused by this increasingly frequent weather event.
Multi-risk home insurance policies usually cover storms and natural phenomena, but you must check all the clauses carefully. For motor vehicles, compulsory third-party liability insurance does not cover this type of damage.
The president of the Portuguese Insurers Association (APS) confirmed on Sunday that, regarding the effects of Storm Kristin, companies 'aim to complete 80% of damage assessments for reported claims within 15 days of their notification', reinforcing the promise made by the prime minister after the extraordinary Council of Ministers to decide the ...
Regarding estimates of the claimed losses, Ageas says that “at this stage it is too early to estimate the amounts”.
Storm Kristin, which has already caused five deaths and left a trail of devastation in the centre of the country, has triggered a spike in claims that is testing the insurance sector's response capacity, with insurers trying to cope with the exceptional volume of claims notifications. Overall, insurers operate with teams ...
If Storm Kristin has damaged your home, car or other possessions, act quickly and methodically to activate your insurance cover. First secure people and property, photograph and timestamp all damage, and make temporary repairs where necessary to prevent further loss. Notify your insurer as soon as possible, check your policy for cover, excesses and time limits, and keep a written record of every contact and expense. For vehicles follow insurer guidance about repairers and avoid admitting liability; for homes document building and contents separately and retain receipts for emergency repairs. Common mistakes to avoid include delayed reporting, inadequate evidence, disposing of damaged items, using unapproved contractors without consent, and agreeing on settlements without written confirmation—knowing your consumer rights and the insurer complaints process will help if disputes arise.
Insurers must pay compensation for customers with policies that cover storm damage even in areas where a State of Calamity has been declared, according to the Civil Protection Framework Law. Article 61 of the law considers 'null and void, producing no effects, the clauses inserted in insurance contracts aiming to ...'
Rui Silva, spokesperson for the Association of Insurance Agents and Brokers, explains that the first step should be 'gather evidence, take photographs' and then 'get in touch with the insurance company'.
Now that the storm has passed, it's time to tally up the losses.
Only around 25% of Portugal’s properties and infrastructure are insured against natural disasters, a weakness exposed by a recent week of severe storms. Material damages are still being assessed while major multi-risk insurers — notably Fidelidade, Generali Tranquilidade and Ageas — are accelerating claims handling on the ground. The low insurance penetration highlights underinsurance and significant fiscal and economic exposure, creating both reputational and commercial opportunities for insurers to expand coverage. Analysts say the event underscores the need for faster claims processes, clearer public–private risk-sharing mechanisms, targeted incentives to raise uptake, and investments in resilience and risk mapping as climate-driven extreme weather becomes more frequent.
Portugal is taking stock this Wednesday of the damage caused by Storm Kristin. The weather phenomenon crossed the country with strong gusts of wind, even causing the deaths of four people — three in Leiria and one in Vila Franca de Xira — and leaving a trail of destruction in its wake. Uprooted trees, damaged vehicles and ...
Have you suffered damage from Storm Kristin? Here’s what you should do.
Insurers tallied a total of €31 million in damage caused by Storm Cláudia, which hit Portugal in November, according to data released by the Portuguese Insurers Association (APS).
Insurers determined an aggregate amount of €31 million in damage caused by Depression Cláudia, according to a survey carried out by the Portuguese Insurers Association (APS) among its members. Between 12 and 16 November 2025, 9,772 claims covered by insurance policies were reported in mainland Portugal and Madeira. Of the total ...
