Infonavit gives important message prior to hurricane season

We approach the hurricane season in Mexicothat is why the Institute of the National Housing Fund for Workers (Infonavit) made an important reminder for all workers in the Mexican formal sector.

It was through its official social media accounts where the Institute of the National Housing Fund for Workers (Infonavit) reminded those who are paying a mortgage loan from the Institute that they have a Accident Damage Insurancewhat does it consist of?

In this way, with the Accident Damage Insurance, Infonavit helps Mexican workers to repair your home, whether it is a house or an apartment purchased with financing from the Institute, in case you suffer any damage caused by a sudden and unforeseen situation, such as the following:

*Natural disaster: land displacement, landslide, fire, flood, hail, snowfall, hurricane, cyclone, earthquake, tornadoes or volcanic eruption.

*Accident: house fire, falling tree, falling objects from an airplane or explosion.

*Other types of unforeseen events included in the Infonavit damage insurance policy.

Requirements

On the other hand, according to what is detailed on the Infonavit web portal, the requirements to make the Loss Damage Insurance effective are the following:

*Have a mortgage loan with Infonavit.

*Be up to date with your mortgage loan payments.

*That no more than two years have passed since the incident that affected your home.

In this way, in the event that the home has been affected by an accident, the worker will have to go to the local offices to report the damage. In this way, with the notice of damages, the Institute will be able to generate the report to the insurer so that an adjuster can visit the home and carry out the assessment of the damages. The Damages can be categorized into “partial loss” or “total loss”.

It should be noted, in this sense, that If the damage to the home occurred in the period from May 31, 2022 to March 31, 2025, the policy that applies to you is that of Aseguradora AGROASEMEX with that same period of validity and you have up to 2 years from the date the incident occurred. , to give to give notice of the damage.

Now, before requesting the Institute’s Loss Damage Insurance, the following points must be taken into account:

*Does not apply to Mejoravit credits.

*In Cofinavit loans it only applies to the part financed by Infonavit, in marital loans and Unamos credit it works under two schemes: if the loans are current, the principal is paid and if one of the loans is settled, the current mortgage is paid.

*Does not cover damage aggravated over time to the home due to lack of maintenance, gradual wear, poor soil compaction, gradual land movements, or damage resulting from the development of construction, or damage caused by any failure, deficiency or defect when planning, developing, settling, repairing, or remodeling, nor for the materials used in these processes.

*Excludes loss of cash, securities, negotiable documents (promissory notes, checks, stocks, financial bonds, among others), jewelry, precious stones and any other item of this type.

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