A seguradora notificou e reembolsou o cliente pelos danos abrangidos.

Portuguese uses definite articles much more often than English. In this sentence, a seguradora and o cliente refer to specific, identifiable parties, so the articles are natural and expected.

English sometimes omits articles in places where Portuguese would not. So for a learner, it is best to get used to Portuguese often saying the insurer, the client, even where English might sound a bit looser.

They are both in the pretérito perfeito (the normal completed past tense). In English, this often corresponds to the simple past.

Both are 3rd person singular:

• notificou = from notificar
• reembolsou = from reembolsar

The ending -ou is typical for regular -ar verbs in this tense.

Because the same subject, a seguradora, applies to both verbs. Portuguese, like English, normally avoids repeating the subject when two verbs are linked by e and clearly refer to the same doer.

So the sentence works like:

• A seguradora notificou e reembolsou... rather than
• A seguradora notificou e a seguradora reembolsou...

The repeated version is grammatical, but it sounds heavier and less natural unless you want special emphasis.

Yes. It is understood as the direct object of both notificou and reembolsou.

So the idea is essentially:

• notificou o cliente
• e reembolsou o cliente

Portuguese often allows one object to be shared by two coordinated verbs when the meaning is clear.

Here, notificar takes a direct object: notificar alguém = to notify someone.

So notificou o cliente is structurally normal.

If you want to add what the person was notified about, Portuguese often uses patterns such as:

• notificar alguém de algo
• notificar alguém para algo / para fazer algo

But in your sentence, the person notified is enough, so no extra preposition is needed after the verb.

Because pelos is the contraction of por + os.

Here, por introduces what the reimbursement relates to: the damages. Since danos is masculine plural and definite, por os becomes pelos.

Useful contractions to remember:

• por + o = pelo
• por + a = pela
• por + os = pelos
• por + as = pelas

Abrangidos is the past participle of abranger, but here it is being used like an adjective.

It describes danos:

• danos abrangidos = the damages that are included / covered / within scope

You can think of it as a shortened version of something like:

• os danos que estão abrangidos
• os danos que estavam abrangidos

So it is not acting as the main verb here; it is modifying the noun.

Because it agrees with danos, which is masculine plural.

In Portuguese, adjectives and participles used adjectivally must agree with the noun they modify in gender and number.

So you get:

• dano abrangido = masculine singular
• danos abrangidos = masculine plural
• despesa abrangida = feminine singular
• despesas abrangidas = feminine plural

Often, yes. In insurance language, cobertos is very common and may sound more immediately natural to learners.

That said, abrangidos is also perfectly possible, especially in formal, administrative, or legal-style Portuguese. It emphasizes that those damages fall within the scope of what is included.

So the difference is roughly:

• cobertos = more everyday insurance wording
• abrangidos = slightly more formal, scope-based wording

Yes, depending on the exact meaning.

• cliente = customer / client in a general sense
• segurado = the insured person or party, specifically in insurance terms

If the sentence refers to the person actually covered under the policy, segurado may be more precise. If it is just speaking more generally about the company’s customer, cliente is fine.

Because Portuguese normally does not use a comma before e when it simply links two verbs with the same subject in a straightforward sentence.

So:

• A seguradora notificou e reembolsou o cliente...

is the normal punctuation.

A comma would usually only appear if there were a special pause, extra parenthetical information, or a more complex structure.