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7% DE LAS CASAS EN MÉXICO SE ENCUENTRAN ASEGURADAS
Tuesday, 5 March 2024
Portada

7% DE LAS CASAS EN MÉXICO SE ENCUENTRAN ASEGURADAS

En México solo el 7% de las viviendas sin hipoteca cuenta con un seguro contra sismo, huracanes o algún accidente, cifra muy por debajo de países escandinavos, inclusive Estados Unidos o Canadá, donde llegan al 93%.

Después de los temblores registrados en septiembre de 2017 se observó un alza en la demanda de información para asegurar viviendas y se incrementaron las ventas de seguros los siguientes seis meses, para después volver a su tendencia normal.

La mayoría de las casas que tienen seguro en el país está relacionado a la hipoteca con la que se compró, es decir, los bancos protegen el activo.

Posteriormente, cuando las casas ya dejan de tener una hipoteca, no más del siete por ciento de las casas del país son las que cuentan con algún tipo de seguro; nuestra hipótesis es que se cree que un seguro de vivienda es muy caro, lo cual no es necesariamente correcto, ya que el riesgo de una casa es menor a la de un coche.

Sin embargo, existen dos variables: cuánto vale la casa y qué tan expuesto está el bien; si se encuentra en una zona de terremotos o huracanes se eleva el costo.

El seguro de una casa normalmente se ofrece en paquete y además de proteger el bien contra incendio, rayos, explosión, sismo, huracán, también cuenta con coberturas de protección civil, por ejemplo, si se causan daños a los vecinos, etcétera.

Si se compara con otras economías como las escandinavas, Estados Unidos o Canadá es al revés, en esos países, el 93% de las casas cuentan con un seguro, por lo que es un tema de concientización entre las personas.

Según la Asociación Mexicana de Instituciones de Seguros (AMIS) al 15 de agosto de 2019 se han finiquitado 50,654 siniestros de casa habitación ligados a un crédito hipotecario, con un monto estimado de 2,489 millones de pesos, lo que implica un 87.37% de avance en el número de indemnizaciones en este rubro.

Derivado de los dos sismos de septiembre de 2017, se presentaron 62,037 reclamaciones por siniestros de casa habitación, con un costo de 3,779 millones de pesos y hasta el momento se han finiquitado 44,256 casos, por lo que solo resta un 12.6% que tienen problemas debido a cuestiones legales no imputables a las empresas de seguros.

DyC Seguros y Fianzas

9994763512

Lic. Roberto Dolz

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Jorge Solis

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