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Water damage in your apartment?
Report it properly.

The most common mistake: the stain on the ceiling gets repaired, not the cause — and two years later it is back. This form creates a formally correct damage report in Spanish for you in a few minutes, with deadline and legal basis.

Three things you should know

Before you sign or pay anything.

The cause is the community's job

If the origin lies in the common elements — riser pipe, waterproofing, concrete component —, remedying it is the legal duty of the Comunidad (Art. 10.1 LPH). No resolution is needed for that.

You have two years

Claims against the building insurer for material damage become time-barred two years after the event (Art. 23 LCS). A written report preserves the deadline — a phone call does not.

The insurer has deadlines

Within 40 days of the report, the undisputed minimum amount must be paid (Art. 18 LCS). In case of default, substantial interest accrues (Art. 20 LCS) — that is your strongest lever.

Your damage report

Fill in in English — you receive the finished letter in Spanish.

Your data stays with you. This form works entirely in your browser. Nothing is transmitted, stored or sent to us. Your photos never leave your device either.
1 · Your details
2 · Recipients
Enter the address of your property administrator (administrador de fincas) and, if you wish, that of your president. The blind copy to yourself creates a time-stamped proof in your own mailbox — the most important evidence that and when you reported.
3 · What can be seen?
4 · Where?
5 · Where does it come from, as far as visible?
6 · Has it happened before?
The costs of immediate measures may be reimbursable; this depends on the policy, the cause and proportionality. Keep all receipts. The building's main valve affects all residents: close it only in an emergency and inform the administration immediately.
7 · Who has examined the damage?
What you enter here appears as such in your letter. You are responsible for this information.
8 · Photos and enclosures
Photos never leave your device. They are reduced in your browser and inserted into the damage report. The date taken is used as the caption; location data is removed. Only upload photos that show no people and no third-party documents. Ideal: overview and detail.
Authorisation of a person you trust (optional)

Should a person you trust (relatives, neighbours) take care of the claim for you? Download the template, fill it in, sign it, photograph or scan it and upload it here. It will be attached.

9 · Your letter and sending
Please check the text before sending. You are the sender and responsible for content and details. The form does not assess cause or liability; whether a pipe is communal or private is, in case of doubt, for an expert to clarify. Your free texts are taken over unchanged into the Spanish letter.
  1. Create documents: the letter, the damage report with photos and, if chosen, the translation are created as PDF.
  2. Open email: recipients, subject and text are already filled in.
  3. Attach the PDF files (or the ZIP) to the email and send it.

On a phone it is easier: “Share” passes all files straight to your mail app. You then enter the recipients by hand.

A free tool by Tierra & Madera · no registration · no data transfer

If there is a dispute

Keep the sent email, the acknowledgement of receipt, all photos and receipts. If nobody answers within the deadline, your written report proves that and when you reported.

If the cause is disputed, call in a technical adviser of your choice; for legal questions, an abogado (lawyer).

This form and the notes on this page are general self-help information and do not constitute legal advice in the individual case. The Ley de Propiedad Horizontal and the Ley 50/1980 de Contrato de Seguro in their current versions and your specific insurance contract are decisive. Legal provisions as of October 2026; no guarantee of completeness.