Bad weather: Insurance regulator recommends checking coverage and keeping proof in case of damage

With the arrival of the Charles depression on Wednesday 11 November 2026, the Insurance and Pension Funds Supervisory Authority (ASF) warns that coverage for natural phenomena, storms, and floods is not mandatory in home or car insurance policies. Residents are advised to check their specific policy inclusions, document all damages with photos, videos, and invoices, and report claims within the contractually specified timeframe—or within eight days if no deadline is stated. The mainland is under an alert throughout Wednesday 11 November 2026, with schools and non-essential public services closed and potential travel disruptions across multiple districts.

Why it matters

If you experience property or vehicle damage due to the storm, you must document everything with evidence and check your policy immediately, as natural disaster coverage is not standard and often optional.

Diário de Notícias· 1h agoRead original ↗

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Correio da Manhã· 15h agoRead original ↗

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Prime Minister warns of "difficult hours" and asks the Portuguese not to underestimate the bad weather

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RTP· 15h agoRead original ↗

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Practical alerts

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Media-reported alerts

Man swept away by overflowing stream in Madeira found alive · Correio da Manhã · 24m ago
Few cars, almost empty streets and cruises on the Tagus. Images of the riverside area of Lisbon · CNN Portugal · 29m ago
Maritime Authority warns of worsening sea conditions: 18 bars closed · SIC Notícias · 1h ago
There is a lot of water on the roads in the Lisbon region · Expresso · 1h ago

Live official alerts

Red and orange rain warnings, Wednesday
red warningIPMA· 18 districts· until 21:00
Red, orange and yellow wind warnings, Wednesday
red warningIPMA· 17 districts· until 21:00

See all live official alerts

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