French natural disaster insurance procedure for expats

The June floods and mudslides in France have resulted in expats desperate for details on the procedure for natural disaster home insurance claims.

The Dordogne’s historic town of Eymet and its large population of British expats were badly hit when the region suffered floods and mudslides as a result of catastrophic levels of rainfall. Many residents were anxiously awaiting clearance from the French authorities that the disaster was a ‘catastrophe naturelle’, thus allowing them to make insurance claims. Since the announcement was made, those affected now have a ten-day window to send claims to their home insurance companies.

In France, claiming for damage caused by natural disasters isn’t as straightforward as in the UK as it first required specialised cover which varies region by region. The second requirement is a decree from the French government classifying the disaster as a ‘catastrophe naturelle’ rather than a man-made incident. Once the essential status has been declared, policy-holders then have ten days’ grace during which they should make their claims, although many insurers advise claims should be sent immediately the disaster is under control. Even so, payments will not be made until the government declaration has been issued.

Firstly, homeowners should check their house insurance policies to make sure natural disasters are included in the cover provided. Claims can be started by calling or faxing the insurer, with all supporting documents able to be sent after the 10-day limit provided the case is under consideration. Descriptions of the damage, lists of all damaged, destroyed or lost items as well as proof of their ownership and value are all needed. Damaged goods should not be discarded, especially of they’re valuable as your insurer may send an expert to assess the claim’s validity. If urgent repairs are necessary, photos of the damage will be accepted. If your insurance covers trees and shrubs in your garden, pre-disaster photos will be needed. Expat home owners should note that wind damage isn’t listed as a natural disaster, but is already covered by the garantie tempete clause in the contract, as is water damage from sources within the house.