Storm Ciaran: Providing Proof of Wind Intensity for Home Insurance Compensation

With very violent winds, Storm Ciaran caused a lot of damage. But to be compensated by your home insurance in the event of a storm, you must provide proof that the wind exceeded 100 km/h.

A weather bomb. This is how the Ciaran storm which hit France on the night of Wednesday Thursday was described. According to the latest report, it left one dead and 16 injured and the assessment of material damage is beginning in the regions affected by winds which reached 200 km/h.

Roof blown off, trees uprooted, the assessment of Ciaran’s consequences is only just beginning. If your house or car suffered damage due to the storm, your insurer is supposed to compensate you. Your home contract must contain a storm guarantee which covers all damage caused by wind (falling tree, damaged or torn roof, furniture damaged by rain following roof damage, etc.), explains France Assureurs.

Provide proof of abnormal wind intensity

Yes, but everything will actually depend on your place of residence. Because to benefit from the storm guarantee, you must provide proof of abnormal wind intensity (more than 100 km/h very often) at the time of the loss. Keep all evidence. In practice, insurers often require a certificate from the nearest meteorological station, or require that the wind has damaged other well-constructed buildings within a 5 km radius, explains Anilthe National Agency for Housing Information.

In other words, for residents of Brittany and the northwest quarter of the country where the winds were the most violent, the storm guarantee will be active. On the other hand, in other departments where significant winds but of lower intensity are expected, individuals may not be able to benefit from the storm guarantee even in the event of damage.

According to a count made by the Internet user, a minimum wind speed of 100 km/h is required for the storm guarantee, particularly with the following insurers: Caisse d’Epargne, Crdit Mutuel, Gan, Generali, GMF, Matmut, MMA and Swiss Life. A minimum of 90km/h is required at Axa.

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