Dwelling

Your MAPFRE´s insurance includes a wide range of benefits and interesting advantages for you and your home:

• We offer maximum protection for your property against loss by fire, explosion, vandalism, theft or hurricane.
• MAPFRE Contact Center 24/7: Our customers can access to the most modern telephone office in Puerto Rico. The office is equipped with a modern, fully computerized telephone system and over 25 tele-operators ready to answer any question.

The Dwelling Insurance also includes:

The general conditions of Dwelling of MAPFRE details the covers of which the insured takes benefit, and the benefits, requirements and restrictions set forth in the agreement.

Dwelling insurance provides maximum protection for your property against risks such as fire, hurricane, earthquake or smoke.

The policy includes a number of requirements and restrictions that must be studied by the customer before hiring in order to choose the Property and Casualty insurance that best suits the needs of each insured.

• Dwelling insurance of MAPFRE applies only to losses occurring during the term of the policy.
• If the covered property is lost, the insured must take into account that must fulfill a number of conditions such as notification to our agents and preparing an inventory of personal property damaged, to be covered.

The insurance has the following exclusions:

• Flood damage, waves, tides or dew are not covered.
• Damage caused by water or material step back through the sewers or drains, or overflows of a sinkhole are not covered.
• Damage caused by water that is below the soil surface is not covered.
• We do not provide cover for damage caused by discharges of nuclear weapons, war, rebellion or revolution.
• Losses lawns, plants, shrubs or trees that are outside of the buildings are not covered.
• We do not provide property cover or liability for events caused intentionally by the insured or fraudulent manner.
• Damages caused by the negligent conduct of the insured are not covered.

MAPFRE advises to follow some recommendations to facilitate the insured the access to the benefits and advantages included in the policy.
Recommendations before hiring your Property and Casualty insurance:

• Pay special attention to the general and special conditions of the covers included in the policy.
• If you need assistance, you can contact MAPFRE Contact Center at 787-250-5214 (metro area) or 1-888-835-3634, 24 hours, 7 days a week.

Recommendations for access to the Dwelling insurance benefits:

• Save your policy together with the documents that complement it in a safe and accessible place.
• Be punctual in your payments premium.
• In case of loss, it is imperative that the insured put all the means at its disposal to protect the property from further damage.
• If an inventory of damaged property was necessary, the insured must provide invoices and receipts to justify the amounts thereof.
• If not we reached an agreement with the insured on the amount of loss, either party may request an appraisal of the loss.
• MAPFRE has no obligation to manage those claims not included in the general and special conditions of the policy.