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Repeated storms have already caused a lot of damage, as of Wednesday, June 21. How to be well compensated by your insurance? Response elements.
Waterspouts, hail, a storm. For this type of bad weather, it is the multi-risk home insurance that takes care of it. You must make a claim report within five days, with as many photos as possible, and never throw away the furniture damaged before the passage of the insurer. “There is an expert who will quantify the nature of your damage (…) if you have thrown everything away, the expert will not be able to see absolutely anything at all”, says Olivier Gayraud, lawyer for the CLCV association.
In the event of a flood, a natural disaster regime is needed
If it is a flood or a mudslide, the natural disaster regime must be triggered by a ministerial order in order to be compensated. Only goods covered in the insurance contract will be taken into account. Conversely, it is not possible to have compensationization in the event of flooding without the state of natural disaster, except for disaster victims who had taken out special cover.