De: Santiago Romero <Santiago.Romero@bmsgroup.com><br>Enviado el: Tuesday, 4 August 2026 11:12<br>Para: Valle, Ricardo <rvalle@chubb.com><br>CC: Francisco González <Francisco.Gonzalez@bmsgroup.com><br>Asunto: RE: S#2026002937#  6660009223  RECHAZO A RECLAMANTE   SEVILLA FUTBOL CLUB  -  CAIDA   04/05/2026  PABLO CESAR GARCIA ALVARADO - Ref. Chubb 6660009223<br>Received: from AS2PR08MB9976.eurprd08.prod.outlook.com (2603:10a6:20b:646::9)
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From: Santiago Romero <Santiago.Romero@bmsgroup.com>
To: "Valle, Ricardo" <rvalle@chubb.com>
CC: =?utf-8?B?RnJhbmNpc2NvIEdvbnrDoWxleg==?= <Francisco.Gonzalez@bmsgroup.com>
Subject: RE: S#2026002937#  6660009223  RECHAZO A RECLAMANTE   SEVILLA FUTBOL
 CLUB  -  CAIDA   04/05/2026  PABLO CESAR GARCIA ALVARADO - Ref. Chubb
 6660009223
Thread-Topic: S#2026002937#  6660009223  RECHAZO A RECLAMANTE   SEVILLA FUTBOL
 CLUB  -  CAIDA   04/05/2026  PABLO CESAR GARCIA ALVARADO - Ref. Chubb
 6660009223
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Date: Tue, 4 Aug 2026 09:11:51 +0000
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From: "Valle, Ricardo" <rvalle@chubb.com>
To: =?iso-8859-1?Q?Pablo_C=E9sar_Garcia_Alvarado?=
	<pabloalvarado782@gmail.com>
Subject: CAIDA PABLO CESAR GARCIA ALVARADO PARTIDO REAL SOCIEDAD 04/05/2026 -
 N/ref. 6660009223
Thread-Topic: CAIDA PABLO CESAR GARCIA ALVARADO PARTIDO REAL SOCIEDAD
 04/05/2026 - N/ref. 6660009223
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Date: Mon, 3 Aug 2026 11:21:44 +0000
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Estimado Sr. Garc=EDa Alvarado:



Nos dirigimos a usted como compa=F1=EDa aseguradora de la responsabilidad c=
ivil de SEVILLA FUTBOL CLUB, S.A.D.  en relaci=F3n con la reclamaci=F3n for=
mulada por los da=F1os personales que manifiesta haber sufrido con ocasi=F3=
n del incidente acaecido durante el encuentro disputado entre el Sevilla F.=
C. y la Real Sociedad el pasado 4 de mayo de 2026 en el Estadio Ram=F3n S=
=E1nchez Pizju=E1n.



Al respecto, una vez analizada la documentaci=F3n aportada por su parte, y =
de las actuaciones de investigaci=F3n realizadas por la nuestra, lamentamos=
 comunicarle que no es posible atender su reclamaci=F3n, al no concurrir lo=
s presupuestos necesarios para apreciar responsabilidad por parte del Sevil=
la F.C.



En concreto, de la investigaci=F3n llevada a cabo por nuestra parte resulta=
 acreditado que la valla situada tras la sexta fila del Gol Norte Bajo se e=
ncontraba en correcto estado de conservaci=F3n y mantenimiento, debidamente=
 anclada tanto al suelo como al murete existente, sin apreciarse defectos d=
e instalaci=F3n, deterioro, corrosi=F3n o falta de mantenimiento que pudier=
an haber provocado su ca=EDda.



Asimismo, las conclusiones t=E9cnicas determinan que la ca=EDda de la estru=
ctura no obedeci=F3 a un fallo espont=E1neo o deficiencia de la misma, sino=
 a una avalancha extraordinaria de aficionados que, con motivo de la celebr=
aci=F3n del gol anotado por el Sevilla F.C., se abalanzaron masivamente sob=
re la valla ejerciendo una fuerza excepcional que provoc=F3 el doblado y ar=
rancamiento de varios de sus anclajes y el derribo de siete m=F3dulos compl=
etos de la instalaci=F3n.



Por tanto, se descarta que la valla cediera "de manera repentina" por un de=
fecto propio de la estructura, ya que las evidencias concluyen que el colap=
so fue consecuencia directa de la actuaci=F3n de los propios aficionados y =
no de una deficiente conservaci=F3n o mantenimiento de las instalaciones.



De otro lado, tampoco se ha podido determinar con certeza el mecanismo conc=
reto de producci=F3n de sus lesiones, existiendo incluso la posibilidad de =
que las mismas fueran causadas durante la propia avalancha y participaci=F3=
n de los asistentes en la celebraci=F3n, circunstancia que impide establece=
r el necesario nexo causal entre los da=F1os reclamados y una actuaci=F3n n=
egligente imputable al Sevilla F.C.



En consecuencia, al no apreciarse incumplimiento alguno de las obligaciones=
 de mantenimiento o seguridad exigibles al titular de las instalaciones, ni=
 existir una relaci=F3n causal entre el estado de las mismas y los da=F1os =
alegados, no concurre responsabilidad civil imputable a Sevilla F.C. por lo=
 que procede rechazar =EDntegramente la reclamaci=F3n formulada.



Atentamente,








Ricardo Valle
Casualty Senior Claims Adjuster

Paseo de la Castellana, 141, Planta 6
+34 91 021 12 68
E: rvalle@chubb.com<mailto:rvalle@chubb.com>

NOTA IMPORTANTE:

Por favor, en caso de que nos facilite informaci=F3n de otras personas, ase=
g=FArese de que la persona afectada entiende y no se opone al uso de sus da=
tos para las finalidades de evaluaci=F3n y cotizaci=F3n del riesgo, contrat=
aci=F3n y renovaci=F3n de la p=F3liza, gesti=F3n de siniestros y an=E1lisis=
 de posibles siniestros fraudulentos.

Igualmente, por favor, aseg=FArese, cuando nos facilite datos especialmente=
 sensibles, que ha obtenido el consentimiento de la persona afectada para q=
ue utilicemos su informaci=F3n con los fines descritos con anterioridad.




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<p class=3D"MsoNormal">Estimado Sr. Garc=EDa Alvarado:<o:p></o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal">Nos dirigimos a usted como compa=F1=EDa aseguradora =
de la responsabilidad civil de SEVILLA FUTBOL CLUB, S.A.D. &nbsp;en relaci=
=F3n con la reclamaci=F3n formulada por los da=F1os personales que manifies=
ta haber sufrido con ocasi=F3n del incidente acaecido
 durante el encuentro disputado entre el Sevilla F.C. y la Real Sociedad el=
 pasado 4 de mayo de 2026 en el Estadio Ram=F3n S=E1nchez Pizju=E1n.<o:p></=
o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal">Al respecto, una vez analizada la documentaci=F3n ap=
ortada por su parte, y de las actuaciones de investigaci=F3n realizadas por=
 la nuestra, lamentamos comunicarle que no es posible atender su reclamaci=
=F3n, al no concurrir los presupuestos necesarios
 para apreciar responsabilidad por parte del Sevilla F.C.<o:p></o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal">En concreto, de la investigaci=F3n llevada a cabo po=
r nuestra parte resulta acreditado que la valla situada tras la sexta fila =
del Gol Norte Bajo se encontraba en correcto estado de conservaci=F3n y man=
tenimiento, debidamente anclada tanto
 al suelo como al murete existente, sin apreciarse defectos de instalaci=F3=
n, deterioro, corrosi=F3n o falta de mantenimiento que pudieran haber provo=
cado su ca=EDda.<o:p></o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal">Asimismo, las conclusiones t=E9cnicas determinan que=
 la ca=EDda de la estructura no obedeci=F3 a un fallo espont=E1neo o defici=
encia de la misma, sino a una avalancha extraordinaria de aficionados que, =
con motivo de la celebraci=F3n del gol anotado
 por el Sevilla F.C., se abalanzaron masivamente sobre la valla ejerciendo =
una fuerza excepcional que provoc=F3 el doblado y arrancamiento de varios d=
e sus anclajes y el derribo de siete m=F3dulos completos de la instalaci=F3=
n.
<o:p></o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal">Por tanto, se descarta que la valla cediera =93de ma=
nera repentina&quot; por un defecto propio de la estructura, ya que las evi=
dencias concluyen que el colapso fue consecuencia directa de la actuaci=F3n=
 de los propios aficionados y no de una deficiente
 conservaci=F3n o mantenimiento de las instalaciones.<o:p></o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal">De otro lado, tampoco se ha podido determinar con ce=
rteza el mecanismo concreto de producci=F3n de sus lesiones, existiendo inc=
luso la posibilidad de que las mismas fueran causadas durante la propia ava=
lancha y participaci=F3n de los asistentes
 en la celebraci=F3n, circunstancia que impide establecer el necesario nexo=
 causal entre los da=F1os reclamados y una actuaci=F3n negligente imputable=
 al Sevilla F.C.<o:p></o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal">En consecuencia, al no apreciarse incumplimiento alg=
uno de las obligaciones de mantenimiento o seguridad exigibles al titular d=
e las instalaciones, ni existir una relaci=F3n causal entre el estado de la=
s mismas y los da=F1os alegados, no concurre
 responsabilidad civil imputable a Sevilla F.C. por lo que procede rechazar=
 =EDntegramente la reclamaci=F3n formulada.<o:p></o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal">Atentamente,<o:p></o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<p class=3D"MsoNormal"><span style=3D"font-size:12.0pt;mso-fareast-language=
:ES"><img width=3D"100" height=3D"10" style=3D"width:1.0416in;height:.1083i=
n" id=3D"Picture_x0020_1" src=3D"cid:image001.png@01DD234B.05B6FA60"><o:p><=
/o:p></span></p>
<p class=3D"MsoNormal"><span style=3D"font-size:12.0pt;font-family:&quot;Ge=
orgia&quot;,serif;mso-fareast-language:ES"><br>
</span><b><span style=3D"font-size:10.0pt;font-family:&quot;Georgia&quot;,s=
erif;mso-fareast-language:ES">Ricardo Valle</span></b><span style=3D"font-s=
ize:12.0pt;font-family:&quot;Georgia&quot;,serif;mso-fareast-language:ES"><=
br>
</span><span style=3D"font-size:10.0pt;font-family:&quot;Georgia&quot;,seri=
f;mso-fareast-language:ES">Casualty Senior Claims Adjuster</span><span styl=
e=3D"font-size:12.0pt;font-family:&quot;Georgia&quot;,serif;mso-fareast-lan=
guage:ES"><br>
<br>
</span><span style=3D"font-size:10.0pt;font-family:&quot;Georgia&quot;,seri=
f;mso-fareast-language:ES">Paseo de la Castellana, 141, Planta 6&nbsp;</spa=
n><span style=3D"font-size:12.0pt;font-family:&quot;Georgia&quot;,serif;mso=
-fareast-language:ES"><br>
</span><span style=3D"font-size:10.0pt;font-family:&quot;Georgia&quot;,seri=
f;mso-fareast-language:ES">+34 91 021 12 68</span><span style=3D"font-size:=
12.0pt;font-family:&quot;Georgia&quot;,serif;mso-fareast-language:ES"><br>
</span><span style=3D"font-size:10.0pt;font-family:&quot;Georgia&quot;,seri=
f;mso-fareast-language:ES">E:&nbsp;</span><span style=3D"font-size:12.0pt;m=
so-fareast-language:ES"><a href=3D"mailto:rvalle@chubb.com" target=3D"_blan=
k"><span style=3D"font-size:10.0pt;color:black">rvalle@chubb.com</span></a>=
<br>
</span><span style=3D"font-size:12.0pt;font-family:&quot;Georgia&quot;,seri=
f;mso-fareast-language:ES"><br>
</span><b><span style=3D"font-size:12.0pt;color:#1F497D;mso-fareast-languag=
e:ZH-CN">NOTA IMPORTANTE:<o:p></o:p></span></b></p>
<p class=3D"MsoNormal" style=3D"margin-bottom:12.0pt;text-align:justify"><b=
><span style=3D"font-size:12.0pt;color:#1F497D;mso-fareast-language:ZH-CN">=
Por favor, en caso de que nos facilite informaci=F3n de otras personas, ase=
g=FArese de que la persona afectada entiende
 y no se opone al uso de sus datos para las finalidades de evaluaci=F3n y c=
otizaci=F3n del riesgo, contrataci=F3n y renovaci=F3n de la p=F3liza, gesti=
=F3n de siniestros y an=E1lisis de posibles siniestros fraudulentos.<o:p></=
o:p></span></b></p>
<p class=3D"MsoNormal" style=3D"margin-bottom:12.0pt;text-align:justify"><b=
><span style=3D"font-size:12.0pt;color:#1F497D;mso-fareast-language:ZH-CN">=
Igualmente, por favor, aseg=FArese, cuando nos facilite datos especialmente=
 sensibles, que ha obtenido el consentimiento
 de la persona afectada para que utilicemos su informaci=F3n con los fines =
descritos con anterioridad.</span></b><span style=3D"font-size:12.0pt;color=
:#1F497D;mso-fareast-language:ZH-CN"><o:p></o:p></span></p>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
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