Violent thunderstorms: hurry to declare your claim before it is too late

A terrible assessment. According to the latest information communicated by civil security this Thursday morning June 26, violent thunderstorms Understanding Wednesday evening in France caused the death of two people and was 17 injured, including one seriously. For the time being, nearly 100,000 homes were still deprived of electricity this Thursday morning, mainly in the center of the country, according to the latest assessment of Enedis.

Gusts at more than 130 km/h, torrential rains, devastating lightning … The damage caused by the weather is considerable. More than 17,000 lightning impacts have been noted in recent hours. If your home was directly impacted by these bad weatherit should not be long in declaring them to your insurer. As specified by the main professional representation organization of insurance companies, France insurers, you must try to reach your insurer by all means: registered letter, telephone, email … You have five days To make your declaration in the event of a claim that occurred on your home. The organization also recommends taking photos of the damage caused to build your file.

However, do not hesitate to reach your insurer to find out if this period can be extended. The Allianz company notably chosen to extend the declaration period of a housing Until July 31, 2025, “”exceptional».

A longer claim period in the event of a natural disaster

However, the deadline will be automatically extended if a decree recognizes The state of natural disaster. You will then have up to 30 days Depending on the publication of the interministerial decree in the Official Journal to declare the damage to your insurance company. Some municipalities, heavily struck, have already started the declaration of natural disasterso that the files are educated.

One of the questions is also whether your insurer will mandate an expert. As detailed by France Insurers, it will depend on the description of the first damage. “”Your insurer will tell you if the passage of an expert is necessary or not. In the meantime, take all the necessary safeguard measures (shelter your furniture, cover if possible etc.) ”explains the organization on its website.

Has your car suffered from damage because of thunderstorms? Here’s how to get compensation

Two months ago, the Ile de France, Champagne and the Rhône were already struck by a particularly violent hail : the companies will have to settle no less than 334 million euros with more than 61,600 claims declared.

But how does compensation apply to vehicles apply? Everything will depend on the level of protection of your contract. You will be compensated for the guarantee “damage to all accidents” of your car insurance contract, or by the “damage” guarantee of your vehicle. The amount of the deductible will also depend on the contract, but It is often less than 380 euroswith a average located between 150 and 200 euros. Note that If you only have third -party insurance, you will not be covered.

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