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Tips for disaster victims in the South East

What to do when a natural disaster strikes your home ? Floods, high water, rain, wind, sea and snow have occurred in the last 24 hours in the South East of France. Here is some advice for disaster victims concerning safeguard measures. Nice-Matin, communicates in detail the ORSEC red plan. It is impressive.

Other successive events may occur. What expert advice do you have to ensure that your insurer takes good care of you?

Our firm has already experienced natural disasters on the known areas of the departments 06 and 83 in 2015 and previous years. It seems that the same exceptional meteorological conditions are again falling on the 2 departments of the Var and the Alpes maritimes this weekend. Some particularly dramatic cases oblige us to do our best to relieve the families according to the contractual guarantees.

You can take action now to safeguard your personal property and prepare your claim.

1/ Take emergency and protective measures

  • You must act as a "good father". The insurer will not be able to reproach you for having taken the necessary measures to anticipate the damage to your home and your objects of art.
  • The main idea is to keep as much material evidence as possible of the extent of the damage.
  • Try to be precise: bailiff's reports, good quality photographs, any evidence of the existence and condition of movable property will be useful.
  • Do not throw anything away without prior authorization from the Company and before the Expert's visit.
  • You can request comparative quotes for restoration and refurbishment.

2/ Declare the claim

  • Depending on the number of claims, priorities will be established in order to make joint actions between insurers and experts more efficient.
  • You will have to be patient, but you can now be proactive in managing your claim.
  • Some insurers propose an assistance or a financial advance as soon as the Expert passes by if certain conditions are met (after verification of the risk and justified state of loss in other things).
  • Our firm is mobilizing today to answer the calls of the Insurers. The exceptional situation calls for reinforcements from our network of Union Experts in the same way that we have been able to manage previous crisis situations for 30 years in the sector.

3/ Your comprehensive home insurance policy

  • This is the time to carefully consult your comprehensive home insurance contract. If you have lost it, send a request to your company by courier (they will be overwhelmed but you will have made the request as soon as possible).
  • Each contract is different. Just refer to the one you have taken out. If they have sometimes evolved over time, the older contracts may still be more advantageous than the more recent ones. It is up to you to see in which situation you are on the day of the loss.
  • What do your special conditions say? If your cellar and outbuilding coverage is limited, get to the point!
  • In conclusion, I encourage you to prepare a list of substantiated assets with photographs as soon as possible; if your case is substantiated, compensation will be faster.

Disasters range from small to large; a devastated cellar or home will not be treated the same; be patient!

Here are a few tips from the Experts for more solidarity and ultimately success!