The state of natural disaster will not be recognized in the Hauts-de-France region following the tornado on Sunday 23 October. According to various specialists, a simple home insurance is enough to compensate the victims.
This image made the rounds of screens this Monday, October 24th. A resident of Buhicourt calls Gerald in tears Darmanin came to support the victims. The Minister of the Interior also echoes this on his social networks:
This responds at this time that there will be no acknowledgment of the disaster natural but that families will be helped financially.
According to the minister, insurance contracts would suffice clearing procedures.
Several insurance specialists react to these comments: “tout person who subscribed, home insurance is covered in case of damage following a storm “, we andto explain Charles Dumartinetto principal risk manager of the group Bay.
In fact, any housing contract must contain a storm guarantee which covers all damage caused by the wind. This damage can be caused by the fall of a tree and can include a damaged or torn roof.
Details are not provided the France Assureurs website.
Charles Dumartinetto keep on: “LThe state of natural disaster is recognized in particular when mudslides occur following a thunderstorm, but this is not the case following this tornado. This recognition only has an impact on the deductible that the policyholder will pay. The amount is legal in case of recognition, around 300 euros.“
Many accommodation contracts offer a lower deductible in the event of a stormwhich is good news for the victims.
This recognition would therefore have a very limited financial impact for the victims. Regarding the response times, “rknowledge or not, it’s the same thing “ chases Carlo Dumartinetto.
In theory, with recognition, deadlines are limited and you have to act quickly. In fact, insurers take action quickly whatever happens, even if there is no obligation. It is a matter of common sense and avoids congestion.
Charles Dumartinet responsible for the major risks of the Covea group.
Raphael’s observation Dolltechnical referent within the Matmut group “sometimes it goes even faster without it reconnaissance car our teams don’t have to wait and get to work right away suite.”
Beware, the victims have five days to initiate the process with their insurers.
As for the compensation fund mentioned by the minister, Raphaël Doll To explain : “cIt’s over there? it is for people who are not insured. Mainly owners who have chosen not to take out home insurance.
In In fact, this is mandatory if you are a tenant and highly recommended if you are a non-occupying landlord.
