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March 2015

Foro seguro de hogar: bienes refrigerados

Alberto R.

Hi, I have an apartment insured with Mapfre and a few days ago, returning from a short vacation I found the house was without light, with the fuse box skipped.

There was a big smell in the kitchen and I found the fridge dripping, as it has thawed foods that were in it.

I took pictures of the damaged food and then threw it away. I tried cleaning the fridge, but the rotten food odor remains and the patches do not go with cleaning.

I called the insurance Co. and then the assessor told me that I am only covered for the amount of spoiled food, but they will not compensate me for the fridge which is unusable.

Are they right?


Moderator, Sergio Sanguino

Dear Alberto,

The Insurance Co. compensates you for the loss you had under the warranty “damage to refrigerated food”.

This guarantee covers you for damage produced to frozen or refrigerated goods that were inside the refrigerator or freezer because of a power failure or malfunction of the equipment, as is this case.

But this only refers to food, because in such warranty specifies that there is no cover for the damage suffered by the refrigerator, freezer or the damage caused by food to it.

Therefore we understand that the response of the insurance provider is correct

Kind Regards

Foro Comunidad de Propietarios: Exceso de buzoneo

Hello. I am President of a community of neighbors and we want to act against the excess of publicity in our mail boxes, could we forbid somehow distributors of advertising to put propaganda in mailboxes?  Thank you

Administrator: Juan L.

It would be good to know if these mailboxes are located outside the building or at the entrance  or if they are in a closed and private area. If it is the first case, the options are few, perhaps establishing a metal basket on the outside of the portal with indication of only deposit publicity, it could help, because already there are many communities that have adopted this measure getting a good result.

Where the mailboxes are in a private area, as appropriate, as well as the establishment of the metal mailbox at the entrance,  placed in public areas posters indicating specifically that advertising and other propaganda is left in the Inbox (and also advise all residents to not open to commercial messenger) and the possibility of penalties otherwise, and can even get to call the distributing company to show our complaint. By the way, the cooperation of all the neighbors is very important.


This because we have a specific and uniform regulations governing the prohibition of this type of activity, although it is true that at the present time already pioneers in adopting ordinances aimed to punish and fine these activities there are some municipalities.

Foro Comunidad de Propietarios: Cuarto trastero en garaje

Good morning. I am an owner of a home with a garage that I bought five years ago in Murcia. My neighbor has closed his site building a storage room. The problem is that this work causes me difficulties when I need to park my car in my parking place since space I have to maneuver hs been reduced now. I’d like to know if this enclosure is illegal and if so, how I could act against it 

Ignacio R.

Adminsitrador: Juan L.

First, you should check if the parking lots are defined as such in the constitutive title or statutes, because it is likely to be in undivided as a common element. It is required in this case, the unanimity of the Board of owners.  None can unilaterally modify that to build a storage, this would be an illegal enclosure, and in this case I advise you to communicate it to the President of the community so as extrajudicial way, to require the offending neighbor convincingly so proceed with the demolition of the work. If that doesn´t work, you will have two way of action through complaint to City Hall ( with a period of limitation of action of 4 years) or by the corresponding civil action (period of limitation of 15 years), both yourself and the President are entitled , because each owner may exercise individually relevant actions in order to defend the interest legally protected in the undivided participation in the common elements. However, I advise you to act as soon as possible, since in some cases the time elapsed without actions implies a tacit agreement and therefore having allowed such work.