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Professional Advice

ASK THE ADMINISTRATOR: Why insurance do we need in our community?

Why insurance do we need in our community?

Hi, we live in a community of 11 detached houses.  Every house has its own dwelling.

Also, there are common gardens, swimmingpool. paddel and tennis pitchies.

Recently, I was appointed as president and I am not very sure if we are obliged to contract an insurance for the community, providing future accidents could happen in the common areas.

Thank you for your advice

A. Marconi

Administrator: Juan López

Thank you for your question.

It is nothingin the HorizontalPropiertors Law.  However, there are two Autonmus Communities (Regions) in Spain, whose local goverment implemented specfic laws about insurences in communities:

  • In Madrid, it is in art.24 of the Law Madrid 2/1999,  17th of march, as part of the Chapter treating about Stipulations for the Buildings.  The law states that every building shall be ensured for Fire and Public Liability;  otherwise, there will be serious legal consequences.

With regards to your case, although the Horizontal Propiertors Law is not obliging, but it is ruled by Madrid Gov. and the community shall at least have a FIre and PL insurance

The houses will probably have their own insurances, including F& PL.

Therefore, we recommend you to take at least, a Fire and PL insurance for the common areas and depending on the urbaniuzation, you can also consider to include the equipments and have them covered.

Kind regrads

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