Consorcio de Compensación de Seguros (CCS) has a specific link on its website where you can check the status of your claim (Online claim check (consorseguros.es)). To check the status, simply enter the insured person’s NIF (tax ID) and the CCS file number. This file number should have been communicated to you via SMS or email when submitting your claim.

In accordance with the provisions of Article 2.2 of the Extraordinary Risks Insurance Regulation, data on seismic events shall be obtained by Consorcio de Compensación de Seguros through certified reports issued by the National Geographic Institute.

For this purpose, the National Geographic Institute (IGN), based on the European Macroseismic Scale and its own technical criteria, determines the earthquake intensity levels in each community. The information generated by the Institute is used to determine whether or not Consorcio de Compensación de Seguros will provide coverage.

You can view the final lists of affected communities and the recorded intensities at the following links on the IGN website:

• First earthquake.
• Second earthquake.

In the event of deterioration or destruction of the damaged property, or if urgent repairs are carried out prior to the loss adjuster’s visit, the insured must retain:

• The remains of the damaged property for the loss adjuster to inspect; if this is not possible, take photographs before the items are removed.
• Invoices in the event that any urgent repairs need to be made.

The process of evaluating claims for compensation takes the following factors into account:

• Verification of seismic intensity (IGN): The official macroseismic intensity published by the National Geographic Institute for the community where the affected property is located is consulted. If this intensity is Level III or lower, generally, a visit by an insurance adjuster is not considered necessary, and the claim is directly denied because the community is well below the threshold capable of causing property damage.
• Inspection and determination of the cause: If the intensity is higher than III, an insurance adjuster conducts an on-site inspection to verify the causal relationship, analysing the type of damage, its location, and its characteristics.
• Calculation of compensation: In cases where coverage applies, the loss adjuster conducts the assessment using market prices and taking into account the increase in repair costs caused by the seismic event.
• Policy limits: finally, any limitations on cover set out in the insurance contract apply, such as the exclusion of certain items, underinsurance situations, limitations on compensation for cosmetic damage, or the application of a deductible.

If you do not have the file number, please send an email to ccs@consorseguros.es, stating in the subject: solicitud número de expediente.

If you disagree with the compensation received, you must provide additional documentation to support your claim via CCS website (Online claim check).

Furthermore, the Insurance Contract Act itself allows you the option of appointing an expert on your behalf if you disagree with the compensation received. You may also carry out this procedure via CCS website (Online claim check, section ‘Nombramiento de perito por el asegurado’ (Appointment of an expert by the insured party), attaching the letter by which you formally appoint the party-appointed expert and initiate the adversarial expert assessment procedure under Article 38 of the Insurance Contract Act.

Finally, please be advised that CCS provides a Policy Holder Service to deal with all complaints and claims submitted by eligible parties in relation to the insurance operations carried out by the Entity. This Service does not have the authority to rule on complaints and claims concerning the causes of the loss event or the assessment of damage. To file a complaint with this Service, please visit the following link: Policy Holder Service.

As these are aftershocks following seismic activity in the same area from mid-August 2026 onwards, if you have already submitted an earthquake compensation claim and have been issued with a file number, you should not submit a new claim on the grounds of any potential worsening of damage caused by this event, or the discovery of new damage; any such damage will be incorporated into the assessment of the claim currently being processed.

However, you may update your existing claim by adding new documentation and/or photographs to the file via CCS website (Online claim check).

Any claims for damages submitted that duplicate an existing file will be closed on the grounds of duplication, and the original file will continue to be processed.