{"id":6922,"date":"2019-08-15T22:32:11","date_gmt":"2019-08-15T22:32:11","guid":{"rendered":"https:\/\/kpattorney.com\/?p=6922"},"modified":"2025-11-04T11:33:28","modified_gmt":"2025-11-04T16:33:28","slug":"why-dont-insurance-companies-offer-flood-insurance","status":"publish","type":"post","link":"https:\/\/kpattorney.com\/es\/blog\/why-dont-insurance-companies-offer-flood-insurance\/","title":{"rendered":"\u00bfPor qu\u00e9 las compa\u00f1\u00edas de seguros no ofrecen seguro contra inundaciones?"},"content":{"rendered":"

En pocas palabras, compa\u00f1\u00edas de seguros<\/a> no ofrecen seguros de inundaci\u00f3n para viviendas porque, cuando se producen inundaciones, la cantidad que tienen que pagar en indemnizaciones por siniestros es muy superior a la que ingresan por el pago de primas. En esencia, esto significa que ofrecer cobertura contra inundaciones pone en peligro la rentabilidad de los seguros del hogar y de las empresas.<\/p>\n

Esto dej\u00f3 a muchas personas en zonas propensas a inundaciones sin suerte cuando graves inundaciones da\u00f1aron o destruyeron sus hogares. En 1968, el Congreso finalmente intervino con la creaci\u00f3n del Programa Nacional de Seguro contra Inundaciones (NFIP). A las comunidades en zonas de alto riesgo de inundaciones, como muchas en Florida, se les ofreci\u00f3 cobertura contra inundaciones del NFIP.<\/p>\n

El NFIP dej\u00f3 de cubrir gastos despu\u00e9s del hurac\u00e1n Katrina y, en 2017, tras el hurac\u00e1n Sandy, el NFIP ten\u00eda una deuda de m\u00e1s de $25 mil millones. En 2017, hab\u00eda m\u00e1s de 5 millones de p\u00f3lizas NFIP vigentes<\/a>, y la liquidaci\u00f3n promedio de reclamos por inundaciones fue de $91,735.<\/p>\n

S\u00f3lo a modo de comparaci\u00f3n, el reclamaci\u00f3n promedio de seguro de vivienda<\/a> en 2013 fue de $8,787. En ese momento, la reclamaci\u00f3n m\u00e1s com\u00fan de los propietarios de viviendas era da\u00f1os por viento<\/a>A continuaci\u00f3n, los da\u00f1os por agua no relacionados con la climatolog\u00eda (como la rotura de tuber\u00edas), el granizo, los da\u00f1os relacionados con la climatolog\u00eda y el robo.<\/p>\n

 <\/p>\n

Pagos de reclamaciones del NFIP y estabilidad institucional <\/strong><\/h2>\n

El NFIP pag\u00f3 aproximadamente<\/a> $17 mil millones en reclamaciones por inundaciones por el hurac\u00e1n Katrina, y casi $8.4 mil millones despu\u00e9s del hurac\u00e1n Sandy en 2012. El hurac\u00e1n Harvey fue el segundo hurac\u00e1n m\u00e1s caro del NFIP con casi $8.8 mil millones.<\/p>\n

Con base en la diferencia bastante dram\u00e1tica entre el reclamo promedio de los propietarios de viviendas ($8,787) y el reclamo promedio por da\u00f1os por inundaciones durante un a\u00f1o de grandes huracanes ($91,735), est\u00e1 bastante claro por qu\u00e9 las compa\u00f1\u00edas de seguros no desean ofrecer da\u00f1os por inundaciones naturales. seguro.<\/p>\n

A partir de hoy, el NFIP debe pedir dinero prestado al Tesoro de Estados Unidos para pagar las reclamaciones por inundaciones. En septiembre de 2018, la deuda del programa era hasta $20,5 mil millones<\/a>, pero esa reducci\u00f3n fue solo gracias a la cancelaci\u00f3n de $16 mil millones de la deuda del programa por parte del Congreso de los EE. UU. en octubre de 2017. Este alivio de la deuda fue parte de un proyecto de ley especial de ayuda para huracanes que tambi\u00e9n proporcion\u00f3 $4.9 mil millones en pr\u00e9stamos a bajo inter\u00e9s para Puerto Rico para ayudar al territorio a reconstruirse tras el hurac\u00e1n Mar\u00eda.<\/p>\n

Esta legislaci\u00f3n fue particularmente importante para el NFIP<\/a>, porque el programa hab\u00eda alcanzado su l\u00edmite de endeudamiento de $30.400 millones tras el hurac\u00e1n Harvey. El NFIP no puede exceder legalmente este l\u00edmite de deuda, lo que significa que despu\u00e9s del hurac\u00e1n Harvey se encontraban potencialmente en una situaci\u00f3n en la que ya no pod\u00edan pagar las reclamaciones por da\u00f1os por inundaciones.<\/p>\n

La autoridad de endeudamiento del NFIP ha sido aument\u00f3 varias veces<\/a> desde la fundaci\u00f3n del programa:<\/p>\n

    \n
  1. En 1968, el programa s\u00f3lo pod\u00eda pedir prestado hasta $250 millones.<\/li>\n
  2. Ese l\u00edmite se elev\u00f3 a $500 millones en 1973 (o hasta $1 mil millones con la aprobaci\u00f3n presidencial).<\/li>\n
  3. Se volvi\u00f3 a aumentar en 1996 a $1.500 millones.<\/li>\n
  4. Los huracanes Katrina, Rita y William gravaron el sistema, lo que llev\u00f3 al Congreso a aumentar el l\u00edmite de endeudamiento del NFIP a $18,5 mil millones en 2005.<\/li>\n
  5. Al a\u00f1o siguiente, volvieron a aumentar el l\u00edmite de endeudamiento del programa a $20.725.<\/li>\n
  6. A ra\u00edz del hurac\u00e1n Sandy en 2013, el l\u00edmite se increment\u00f3 a $30.425 millones.<\/li>\n<\/ol>\n

     <\/p>\n

    \u00bfSabe la gente que tiene que obtener una p\u00f3liza NFIP separada para inundaciones naturales? <\/strong><\/h2>\n

    La buena noticia es que la mayor\u00eda de los propietarios de viviendas, al menos dos tercios de ellos seg\u00fan un Encuesta de Insurnace.com 2018<\/a>, comprenda que el seguro para propietarios de viviendas no cubre los da\u00f1os por inundaciones. El ochenta por ciento de los asegurados en el grupo demogr\u00e1fico de 45 a 64 a\u00f1os entienden que necesitan una p\u00f3liza separada, pero la proporci\u00f3n general se redujo entre las personas de 25 a 34 a\u00f1os, de los cuales s\u00f3lo la mitad sab\u00eda que se necesitaba una p\u00f3liza separada.<\/p>\n

    Una nota importante sobre el seguro contra inundaciones del NFIP: debe vivir en una comunidad aprobada para poder inscribirse en el plan de seguro contra inundaciones del NFIP. Puede encontrar una lista de comunidades elegibles para el seguro contra inundaciones. desglosado por estado aqu\u00ed<\/a>.<\/p>\n

    La elegibilidad es sorprendentemente flexible. Incluso los lugares donde las personas tienen un riesgo muy bajo de sufrir inundaciones probablemente sean elegibles para inscribirse en el NFIP. Como dice FEMA<\/a>, los propietarios de viviendas, inquilinos y propietarios de negocios "son elegibles y se les anima a comprar p\u00f3lizas del Programa Nacional de Seguro contra Inundaciones (NFIP) incluso si su casa o negocio no est\u00e1 ubicado en una llanura aluvial o en una zona de alto riesgo".<\/p>\n

    \u00bfCu\u00e1nto cuesta el seguro contra inundaciones del NFIP? <\/strong><\/h3>\n

    Teniendo en cuenta el costo del reclamo promedio por inundaci\u00f3n durante los a\u00f1os activos de huracanes e inundaciones, las primas del NFIP son sorprendentemente asequibles. Aunque hubo una aumento del ocho por ciento en 2018<\/a>, el promedio estimado, incluyendo tasas y recargos, es de s\u00f3lo $1.062 al a\u00f1o.<\/p>\n

    \u00bfEse aumento del ocho por ciento ser\u00e1 suficiente para que el NFIP salga del agua? Es poco probable, considerando el d\u00e9ficit del programa de m\u00e1s de $20 mil millones.<\/p>\n

    \u00bfDeber\u00eda inscribirse en el NFIP? <\/strong><\/h3>\n

    Si vive en Florida y se encuentra cerca de la costa o de un r\u00edo, definitivamente deber\u00eda considerar comprar un seguro contra inundaciones si a\u00fan no lo ha hecho. Los abogados de da\u00f1os a la propiedad y los ajustadores de reclamos independientes luchan arduamente para ayudar a los propietarios de viviendas y negocios a recibir compensaci\u00f3n por los da\u00f1os relacionados con los huracanes despu\u00e9s de las tormentas, pero esas pol\u00edticas son bastante claras cuando se trata de da\u00f1os por inundaciones naturales: no est\u00e1n cubiertos.<\/p>\n

    Sin embargo, si su casa ha sufrido da\u00f1os por huracanes que no estaban relacionados con las inundaciones, como da\u00f1os por vientos huracanados, su compa\u00f1\u00eda de seguros debe pagar su reclamo. Si su compa\u00f1\u00eda de seguros alguna vez intenta restar importancia a su reclamo o decir que el da\u00f1o no deber\u00eda estar cubierto, puede ser mejor para usted hablar con un ajustador de reclamos de seguros independiente o un abogado especializado en da\u00f1os a la propiedad por huracanes.<\/p>","protected":false},"excerpt":{"rendered":"

    To put it simply, insurance companies don\u2019t provide flood insurance for homes because when floods do strike, the amount they have to pay out in claims [\u2026]<\/span><\/p>\n","protected":false},"author":17,"featured_media":6923,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[213],"tags":[],"class_list":["post-6922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"\nWhy Don\u2019t Insurance Companies Offer Flood Insurance?<\/title>\n<meta name=\"description\" content=\"Don't get caught off guard thinking flood damage is covered by your insurance. 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