Claims for “natural disasters” opened for hundreds of areas


A natural disaster – natural disaster – has been recognized in five municipalities in Dordogne and 24 areas in the North, following the floods and droughts that occurred this year and last year.

If the government declares a natural disaster for an area in its official legal publication, The Official Journal, people whose property has been damaged by the event must make a claim within 10 calendar days of the publication of the decree.

Natural disaster coverage is a mandatory component of standard comprehensive home insurance and businesses will therefore be obligated to cover any damage directly related to the event as long as a claim is made on time.

Indirect costs – such as relocation costs and loss of income – are not covered, unless stated otherwise in the insurance contract.

What should I do if I am concerned?

You can normally open a complaint by phone, text or email. Supporting documents can be sent after the 10 day deadline as long as the process has already been initiated.

Claimants will need to provide a description of the damage, a list of lost or damaged items and, if possible, proof of ownership and value such as invoices and photographs.

What if I own a second home and was not there when the damage occurred?

There is no 10 day extension for second home owners, but some second home insurance policies will allow an expert to visit your property and assess the damage if you were away during the disaster. natural.

Dordogne

In Dordogne, the communes of Léguillac-de-l’Auche, Proissans, Vézac, Vitrac and Sarlat-la-Canéda are the subject of natural disaster measures after the floods and mudslides which affected the territory between the 8 and September 10, 2021.

A decree was issued in The Official Journal September 26.

In Sarlat, the damage caused by the storms from September 8 to 9 was particularly severe, with the repair work on the RD704 road still in progress.

Residents and owners of second homes can find out more about what to do by calling the town’s Lilian Gilet town hall at 05 53 31 53 08.

Several other departments affected by these extreme weather conditions are detailed in this Official newspaper decree.

North

Between April and September 2020, 18 municipalities in the Nord department were affected by land movements linked to the drought.

For weather events occurring between April 1 and September 30:

  • Bachy
  • Glageon
  • Hautmont
  • Pont-sur-Sambre
  • Raillencourt-Sainte-Olle
  • Wahagnies

Between April 1 and June 30:

  • Bouvines
  • Ennevelin
  • Eringhem
  • Louvil
  • Marquillies
  • Mouvaux
  • New Year’s Eve-Cappel
  • Thumeries
  • Tourmignies
  • Villeneuve d’Ascq
  • Wazier
  • West-Cappel

From June 4 to July 16, 2021, six other cities suffered flooding and mudslides as a result of heavy rains. These weather conditions caused considerable damage to homes and businesses.

Affected cities include:

  • Preux-au-Sart, for the floods and mudslides that occurred on June 4, 2021.
  • Ferrière-la-Petite and Marpent, for the floods and mudslides that occurred on June 4, 2021.
  • Esnes, for the floods and mudslides that occurred on June 19, 2021.
  • Anor, for the floods and mudslides that occurred on July 14, 2021.
  • Bousignies-sur-Roc, for the floods and mudslides that occurred on July 15 and 16, 2021.

Decrees were published in the Official Journal on September 26 and 28.

However, a natural disaster was not recognized in Halluin after the town was hit by heavy rains on June 4, 2021.

Elsewhere in France

Many municipalities located in France have been affected by land movements linked to the drought occurring in:

  • Ain: Ambérieu-en-Bugey between April 1 and September 30, 2020 and Guéreins and Hautecourt-Romanèche between July 1 and September 30, 2020.
  • Combine: Dompierre-sur-Besbre from April 1 to June 30, 2020, Saint-Pont et Vichy from July 1 to September 30, 2020.
  • Ardennes: Boulzicourt from July 1 to September 30, 2020.
  • Corrèze: Ligneyrac et Troche from July 1 to September 30, 2020.
  • Golden Coast : Montbard from April 1 to September 30, 2020 and Combertault, Couchey, Meursault and Saulon-la-Rue from July 1 to September 30, 2020.
  • Drome: Aouste-sur-Sye from July 1 to September 30, 2020.
  • Haute Garonne: Blagnac, Cugnaux, Fonbeauzard, Merville, Muret and Vigoulet-Auzil from July 1 to September 30, 2020.
  • Isère: Claix from April 1 to June 30, 2020, Pommier-de-Beaurepaire from April 1 to September 30, 2020 and Trept from July 1 to September 30, 2020.
  • Swore: Conliège from July 1 to September 30, 2020.
  • Loire: Saint-Chamond from April 1 to September 30, 2020.
  • Parcel: Catus, Crayssac, Nuzéjouls and Thédirac from July 1 to September 30, 2020.
  • Marne: Pargny-lès-Reims from April 1 to September 30, 2020 and Arrigny, Courcelles-Sapicourt, Giffaumont-Champaubert, Jussecourt-Minecourt from July 1 to September 30, 2020.
  • Haute-Marne: Eurville-Bienville, Silvarouvres and Voillecomte from July 1 to September 30, 2020.
  • Meuse: Autrécourt-sur-Aire, Montblainville and Vaucouleurs from April 1 to September 30, 2020.
  • Moselle: Augny, Bisten-en-Lorraine, Lixing-lès-Rouhling and Uckange from July 1 to September 30, 2020.
  • Oise: Choisy-au-Bac and Le Meux from July 1 to September 30, 2020.
  • Orne: Bellavilliers and Sablons sur Huisne from July 1 to September 30, 2020.
  • Puy de Dome : Thiers from April 1 to June 30, 2020 and Saint-Beauzire from July 1 to September 30, 2020.
  • Bas-Rhin: Geiswiller-Zœbersdorf and Schnersheim from July 1 to September 30, 2020.
  • Rhône: Châtillon and Dardilly from July 1 to September 30, 2020.
  • Haute-Saône: Port-sur-Saône and Pusy-et-Épenoux from January 1 to March 31, 2019 and Baulay, Boulot and La Côte from July 1, 2020 to September 30, 2020.
  • Saône-et-Loire: Oaks from July 1 to September 30, 2020.
  • Sarthe: Bonnétable, Saint-Aubin-des-Coudrais, Saint-Michel-de-Chavaignes, Thorigné-sur-Dué and Théligny from July 1 to September 30, 2020.
  • Seine et Marne : Brie-Comte-Robert, Couilly-Pont-aux-Dames, Dammarie-les-Lys, Lognes, Marolles-en-Brie, Saint-Germain-sous-Doue, Saint-Thibault-des-Vignes, Solers and Torcy from July 1 from September 30, 2020.
  • Yvelines: Châteaufort and Saint-Cyr-l’Ecole from July 1 to September 30, 2020.
  • Haute-Vienne: Limoges and Lussac-les-Eglises from July 1 to September 30, 2020.
  • Yonne: Fouchères from July 1 to September 30, 2020.
  • Essonne: Breux-Jouy from July 1 to September 30, 2020.
  • Val de Marne : Perreux-sur-Marne and Sucy-en-Brie from July 1 to September 30, 2020.
  • Val d’Oise : Montigny-lès-Cormeilles from July 1 to September 30, 2020.

A decree was issued in The Official Journal September 28.

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