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Professional Advice

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

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