In this storm and hurricane season, homes purchased through a Infonavit credit They have damage insurance that protects them against various natural phenomena.
From the day the loan is signed, the protection of damage insurance against natural disasters automatically enters.
This insurance protects homes from unforeseen events such as hurricanes, cyclones, floods, stormy winds, falling trees, hail or snow, fire, earthquake, volcanic eruption, explosion, objects dropped from airplanes, and ground displacement.
And it only applies to home purchase credits, it does not include Improvement or improvements, extensions or remodeling that have been made after the credit was granted.
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How I requested?
If several homes were affected in addition to yours, go to the Infonavit offices in your area or make your report on the website.
Take with you the credit number, your name, address and contact information. The report will be made to schedule a visit by the representatives of the insurance company to calculate the cost of the damages.
Preferably, the holder of the loan must initiate the process, since only in exceptional cases may another person attend. The insurance payment will only be delivered to the owner of the financing.
If only your house was damaged by what happened, you should take this into account:
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Download the damage report form on the official site of Infonavit for Rightholders, in the I have a Credit section.
The report must include a copy of official identification, a sketch of the location of the affected property, photographs of the most representative damages, a credit statement and a telephone number.
As well as the repair budget estimated by the owner, the original document of the record raised before the Public Ministry, civil protection or firefighters, and an annex with the damage report.
What does the insurance cover?
Total loss: When it is no longer possible to inhabit the home after the passage of hurricanes (category 3 or higher), earthquakes (5.5 degrees or more) and tornadoes (category F2 or higher).
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In this scenario, Infonavit liquidates the loan and a letter is delivered where the homeowner confirms that he was informed of the situation.
Partial loss: when the damages are minor, the amount that will be paid to cover them will be determined.
In this case, you will receive a payment order to collect at any HSBC bank branch, you will hire someone to repair your house and Infonavit can inspect the work.
Depending on the amount, the Institute could contract specialized companies to carry out the repairs.
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All expenses are covered by the insurer and, depending on the case, this protection may include furniture and decorative objects, the cost of removing debris or doing a demolition and compensation for rent or the total loss of your home.
From the date the natural disaster occurred, you have up to two years to make use of this benefit, whether it is a total or partial loss.
For more information, call Infonatel at 800 008 3900, or visit the nearest Infonavit Service Center.