{"id":5675,"date":"2012-04-30T14:58:21","date_gmt":"2012-04-30T14:58:21","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=5675"},"modified":"2023-08-25T06:32:21","modified_gmt":"2023-08-25T06:32:21","slug":"natural-disasters-and-insurance","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/en\/natural-disasters-and-insurance\/","title":{"rendered":"Natural Disasters and Insurance"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.5″ _module_preset=”default” background_enable_mask_style=”on” background_mask_style=”wave” background_mask_color=”rgba(0,0,0,0.08)” custom_padding=”||6px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_circle_counter title=” Estimated reading time (in minutes)” number=”2″ percent_sign=”off” _builder_version=”4.20.2″ _module_preset=”default” title_font=”Amiri||||||||” max_width=”137px” global_colors_info=”{}”][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2023\/07\/business-7111764_1280-2.jpg” title_text=”business-7111764_1280-2″ _builder_version=”4.21.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ text_font=”Amiri||||||||” header_2_font=”Amiri||||||||” header_3_font=”Amiri||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

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Disaster Compensation!\u00a0Flood,\u00a0\u00a0<\/span>storm\u00a0<\/span>\u00a0, avalanche, earthquake\u2026 The damage caused in the event of a natural disaster can be very heavy.\u00a0How are we compensated?\u00a0What precautions should be taken?<\/span><\/p>\n

Home insurance Insurance<\/span><\/h2>\n

Insurance against natural disasters<\/span><\/a>\u00a0is not compulsory, it is not included in a basic home insurance contract.\u00a0However, this insurance is included in the “comprehensive home” contract.\u00a0It covers damage due to natural disasters: you can thus be compensated in the event of flooding, landslides, avalanches, storms, earthquakes, droughts, or following the mechanical effect of waves.<\/span><\/p>\n

If they refuse to insure me?<\/span><\/h2>\n

Everyone must be able to insure themselves against the risks of natural disasters.\u00a0If your insurance company refuses to insure this risk, it is possible to contact the Central Tariff (BCT).\u00a0This must be done within 15 days of notification of the refusal by the insurance company, by registered letter with acknowledgment of receipt.\u00a0The BCT will then oblige your insurer to guarantee you against the risk of\u00a0 natural\u00a0<\/span>disasters\u00a0<\/span>\u00a0, or it will find you another insurance likely to cover you against this risk.<\/span><\/p>\n

How does the warranty apply?<\/span><\/h2>\n

The guarantee only applies in the event of publication of an interministerial natural disaster decree in the Official Journal.\u00a0The purpose of this decree is to facilitate compensation by recognizing the seriousness and the climatic origin of the disaster.\u00a0The insured therefore does not have to demonstrate the cause of the loss or its circumstances.\u00a0The decree also determines the period during which the natural disaster occurred, the area or areas affected and the nature of the damage caused.\u00a0The warranty covers homes, furniture, motor vehicles, stabled livestock and crops.\u00a0Are not concerned: everything concerning indirect charges (rental losses and moving costs, etc.), gardens, plantations and various outbuildings.<\/span><\/p>\n

The declaration of loss<\/span><\/h2>\n

The insured must declare the loss to his insurer within 10 days of publication of the natural disaster decree in the Official Journal.\u00a0He must therefore take stock of the losses fairly quickly.\u00a0You must provide the list of damage suffered and the encrypted list of all lost or damaged items.\u00a0As a precaution, it is advisable to keep receipts and take photos if you fear a natural disaster, especially if you live in a risk area.\u00a0An expertise can be made and it is better to keep everything elsewhere than at home preferably because in the event of a major disaster all the evidence could be destroyed.\u00a0If urgent repairs are necessary, the insured must keep the invoices for the purchase of equipment so that they can be taken into account by the insurer.<\/span><\/p>\n

How am I paid?<\/span><\/h2>\n

The insurer has a period of three months to verify the assessment made and compensate the insured.\u00a0In the event of a particularly urgent and difficult situation, the insurer may pay a provision within two months of the natural disaster decree.\u00a0You should know that there are deductibles: it is \u20ac380 for property for private use and 10% of the amount of damage for professional property, with a minimum of \u20ac1,140.\u00a0Deductibles are set by law and not by the insurance company.\u00a0They vary according to the terms of the number of decrees.\u00a0For example, 1st and 2nd natural disaster recognition orders: application of the deductible.\u00a0At the 3rd stop: doubling of the applicable excess.<\/span><\/p>\n

NB<\/span><\/h2>\n

The state of natural disaster is established by an inter-ministerial decree which determines the areas and periods where the disaster took place as well as the nature of the damage caused by it.\u00a0The victim has 10 days after the publication of the decree in the Official Journal to make the declaration to his insurer.<\/span>
DAMY law firm<\/span><\/a>\u00a0, Nice, Natural Disasters and Insurance, Update 2022.<\/span><\/p>\n<\/div>\n

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Disaster Compensation!\u00a0Flood,\u00a0\u00a0storm\u00a0\u00a0, avalanche, earthquake\u2026 The damage caused in the event of a natural disaster can be very heavy.\u00a0How are we compensated?\u00a0What precautions should be taken? Home insurance Insurance Insurance against natural disasters\u00a0is not compulsory, it is not included in a basic home insurance contract.\u00a0However, this insurance is included in the “comprehensive home” contract.\u00a0It covers damage […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[304],"tags":[],"class_list":["post-5675","post","type-post","status-publish","format-standard","hentry","category-insurance-law"],"yoast_head":"\nNatural Disasters and Insurance - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"Natural Disasters and Insurance Flood, storm, avalanche, earthquake\u2026 The damage caused in the event of a natural disaster can be very heavy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gregorydamy.niceavocats.fr\/en\/natural-disasters-and-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Natural Disasters and Insurance - 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