¿Hay que cobrar indemnización del Consorcio por la pérdida de alquileres de los locales comerciales debido al Covid-19?
Si ya leíste nuestro pasado post acerca de si las empresas pueden cobrar una indemnización por las pérdidas producidas por el Covid-19, en éste te contamos por qué garantía del seguro, que cubre el continente de tu local comercial o industrial como propietario, el Consorcio de Compensación de Seguros debería pagar la indemnización del alquiler que, como propietario, has dejado de percibir del inquilino, ya que éste te lo dejó de pagar por que tuvo que cerrar debido a la declaración del estado de alarma por la pandemia del COVID19.
Escenario
No entraremos en tratar los conceptos jurídicos que ya tratamos en el pasado post. Pero resulta que hay propietarios de locales y establecimientos que los tienen alquilados a inquilinos que desarrollan actividades mercantiles y debido a la declaración del estado de alarma por el riesgo extraordinario de la pandemia del COVID19, esos inquilinos no pudieron abrir sus negocios y muchos dejaron de pagar a los propietarios los correspondientes alquileres.
Atención: esto que exponemos no va dirigido a aquellos locales o viviendas que sí estaba ocupados y se utilizaban y el inquilino dejó de pagar al propietario por la circunstancia que sea. Este post va orientado exclusivamente a locales cuyas actividades mercantiles se vieron forzosamente obligadas a cerrar total o parcialmente por la declaración del estado de alarma debido al COVID19.
Cobertura de pérdida de alquileres
Si sufres un siniestro de incendio o inundación y tienes un local comercial donde el inquilino deja de pagarte el alquiler durante el tiempo que queda inhabitable, ya que se están realizando las tareas de reconstrucción debido al siniestro, la aseguradora ordinaria o el Consorcio de Compensación de Seguros te pagarán, como propietario del local, el alquiler dejado de pagar por el inquilino, por la garantía de pérdida de alquileres.
Pues en el caso que nos ocupa, y por la misma garantía, los alquileres dejados de pagar por el inquilino del local que tuvo que tener cerrado debido a la pandemia del COVID19 y la consecuente declaración del estado de alarma por parte del gobierno, el Consorcio de Compensación de Seguros te deberá pagar esa indemnización ya que pagaste prima por tener esa garantía.
Acciones
Si te encuentras en alguna de estas circunstancias y quieres una oportunidad para reclamar tus pérdidas al Consorcio de Compensación de Seguros, contacta con nosotros al correo legal@claimcenter.com.
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En sept el año pasado mande una moto fuera borda con la compañía SEUR la mercancía llego dañado y bañado en aceite por no llevo lo en la posición correcto a pesar de tener las flechas indicadores en el embalaje Me han comunicado que están depuesto pagar las piezas pero se niegan pagar la mano de obre ,llevo desde entonces pidiendo que me manda su contrato de donde explica el porque no lo hacen cuando todas las empresa de seguros lo paga y esto es la contestación que recibo cada vez después de unos 45 emails «No podemos enviarle lo que solicita, puesto e pertenece a la normativa interna de nuestra empresa, de cualquier cosa que concierna al cliente para su caso particular se le informa debidamente, y como ya le dijimos, nuestro seguro no indemniza la mano de obra, ESTO NO ME PARECE JUSTO
Lo que debe tener usted claro es que SEUR es el responsable de todos los daños que hayan provocado a su moto acuática durante su transporte. Deben pagarle todas las reparaciones de todos los daños que le hayan causado (mano de obra, materiales y lo que sea).
SEUR puede tener mil pólizas de responsabilidad civil con las aseguradoras que sea donde se pacte lo que quieran. Eso no es su problema. Usted debe reclamar a SEUR y olvídese de la aseguradora de responsabilidad civil que tenga SEUR. Ya se espabilarán entre SEUR y sus seguros.
Lo que seguramente usted dispondrá es de un seguro del hogar que tiene una garantía llamada «Defensa Jurídica y Reclamación de Daños», que entre otras cosas justamente sirve para situaciones como la suya. Porque usted necesita contratar libremente a peritos y abogados como ClaimCenter para que le reclamen sus daños a SEUR. Y la garantía de «Defensa Jurídica y Reclamación de Daños» de su seguro del hogar, pagará a esos profesionales que usted haya contratado para reclamar a SEUR los daños sobre su moto acuática.
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