On March 18, 2025, a 4.1 magnitude earthquake struck the French Riviera. According to scientific projections, a devastating tsunami could hit the region by 2050. In light of these natural threats, the issue of damage compensation—whether material or bodily—is crucial.
I. Compensation for Property Damage
Compensation for damaged property is available through the “natural disaster” insurance coverage, provided under multi-risk home or business insurance policies, in accordance with Law No. 82-600 of July 13, 1982.
⚠️ Note: This coverage is not mandatory and is not automatically included in basic insurance contracts.
To be eligible for compensation, the following conditions must be met:
You must have a multi-risk home insurance policy;
A ministerial decree must declare the state of natural disaster (published in the Official Journal);
The claim must be filed within the contractual deadlines.
Compensation is based on an assessment of the damage. However, certain costs may be excluded, and deductibles may apply.
II. Bodily Injuries
Natural disasters can also cause serious bodily injuries, whether at home, at work, or in public areas.
❌ The “natural disaster” coverage does not include bodily injuries.
Victims may seek compensation through the Personal Accident Guarantee (GAV), which allows indemnification without identifying a liable third party.
This compensation process involves complex legal and technical steps, which are best handled with professional assistance.
Legal Support
Maître DAMY, a lawyer specializing in personal injury and insurance law, supports you at every stage:
Preparing your medical file and arranging for expert evaluations;
Assessing and quantifying your damages;
Negotiating with insurers or public bodies;
Representing you in court if needed.
Compensation is your right. Get the legal support you need to claim it.
