We are the best option in homeowners' association insurance.
The simplest and most complete way to protect homeowners' associations or rented buildings. We offer your community the most comprehensive coverage for any eventuality, with various contract modalities according to your needs.
We work with the best insurance companies to provide you with the best service.
Our aim is to understand your needs in order to optimise and adapt the best cover and guarantees to them.
We select for our customers the most innovative, up-to-date and exclusive products.
In the study of the risk, in the contracting of the policy and in the processing of claims.
We put at your disposal our commercial, administration and claims departments, made up of professionals with extensive experience in the field of insurance.
On the other side there will always be someone to provide you with personalised 100% assistance and a solution to any issue.
How do we help residents' associations?
Are you an administrator? We have a partnership programme for you!
Each property administrator has their own approach to providing their professional services, both in terms of the size of the company and their own philosophy: from the self-employed who work as an independent professional and provide a very close and personalised service, to the administrations with a corporate structure, with specialised departments and staff sized according to the number of communities administered and the services offered.
In all cases, community insurance can be a headache... or an opportunity, but it will always influence the image and the quality of service perceived by the community.
Whether the administrator is involved in the management of the insurance or tries to stay out of it, the reality is that in the end he will either suffer or enjoy the service that the company offers to its administered client.
At Instituto de Desarrollo Asegurador we want community insurance to be a real opportunity to:
We offer a flexible, tailor-made partnership agreement:
The experience, structure and volume of business of our brokerage provide us with the negotiation and dialogue capacity with insurance companies that allow us to offer our collaborators excellent products and services under the best conditions.
Do you want to be our partner? Contact us!
Questions to answer to find out if my Community is perfectly insured
Depending on the description of the building and its uses, the most appropriate guarantees and coverages will have to be selected. Some examples:
The guarantees eligible for this choice are usually: Water damage, Civil liability for water damage and Glass breakage.
And this is an option that the community must decide: whether to assume and share among all the co-owners the risks that should be the responsibility of each one individually or, on the contrary, it is preferable to have an insurance that exclusively covers the community risks, leaving each co-owner the responsibility of assuming his own risk. It does not seem fair that the community should have to manage and bear both premiums and claims for accidents for which it is not responsible. A careless neighbour who does not renovate, use or maintain his installations properly does not have to harm the rest of the co-owners or the community.
We recommend in general to opt for the community guarantees in the community policy and that each co-owner takes out his or her own home insurance.
Competition and modernisation in insurance management have brought about a considerable drop in premiums and the incorporation of new guarantees and services that did not exist just a few years ago. It is advisable to keep an eye on the market and periodically check that the price we pay for our insurance is still competitive.
In the event of a claim, which is better: to have the company's assistance or a different professional service provider?
Whatever is best for the community.
If the community or the administrator of the same already has a maintenance company that knows the building and has already demonstrated its efficiency on previous occasions, it would be the perfect candidate to continue solving the problems that arise. In this case, the insurance management consists of assessing the damages and paying the corresponding compensation, after the intervention of the expert if it is considered necessary due to the characteristics of the claim or its amount.
If the community prefers, or needs it on an ad hoc basis, it is always possible to request the intervention of the repairers arranged by the company itself, who will solve the problem and pass the bill directly to the company, requesting the intervention of the expert if necessary.
It is very interesting to keep them, as the companies value the correct maintenance of the building when establishing the insurance premium. A community with a certain age that has renovated the communal or private pipes, replaced the roof or refurbished the façade and can prove it with the corresponding invoices will obtain better insurance conditions.
We ensure that there is a fair correspondence between the damages suffered and the compensation received by the community. We try to resolve claims as quickly as possible and represent the insured before the company, always in defence of their rights. A team of experienced professionals, with negotiation skills and a fluid relationship with the claims departments of the companies.
Find your nearest office and count on our support and advice to find the right solution for your needs.
