32 municipalities of the Riviera declared zones of natural disasters


THIRTY-TWO municipalities on the Côte d’Azur have today been officially classified as natural disaster zones, which will open up insurance claims for people affected by last weekend’s floods that killed 20 people.

A ministerial decree was published in Official newspaper, opening a 10-day window for homeowners and businesses to file their claims – and insurers have extended it until Oct. 31.

Insurers are required to send an advance on payment no later than two months after filing the claim, with the following balance before three months have elapsed.

Saturday’s storm only took two hours to devastate much of the Côte d’Azur, with 180mm of rain falling on Cannes, 159mm in Mandelieu, 100mm in Valbonne and Biot and 90mm in Nice.

A meeting of insurers and ministry officials was held yesterday to free up public funds to help local authorities clean up.

18 departments of the Var are covered by the classification of natural disasters:

Les Arcs, Brignoles, Cabasse, Callas, Camps-la-Source, Flassans-sur-Issole, Flayosc, Forcalquier, Fréjus, Méounes-les-Montrieux, La Motte, Néoules, Puget-sur-Argens, La Roquebrussane, Saint-Antonin – du-Var, Saint-Raphaël, Le Thoronet, Trans-en-Provence>

The 14 communes of the Alpes-Maritimes are:

Antibes, Biot, Cagnes-sur-Mer, Cannes, le Canet, Mandelieu-la-Napoule, Mougins, Nice, Roquefort-les-Pins, La Roquette-sur-Siagne, Téoule-sur-Mer, Valbonne, Vallauris, Villeneuve- Loubet.

The Alpes-Maritimes prefecture has set up a flood solidarity page on Facebook where disaster victims and anyone wishing to help can get information. It’s on Facebook / Intemperies Solidarité 06

How it works

Most home insurance policies include coverage for natural disasters (natural disasters). A typical “property and casualty” policy will cover damage caused by earthquakes, floods, droughts, landslides and breaking waves – and an insurer cannot refuse to cover you for this unless you live on land. considered unsuitable for construction or in violation of planning laws. .

However, insurers will only process claims once the state of natural disaster has been declared by interministerial decree. This clearly defines the affected areas and the nature of the damage.

A complaint can normally be lodged by telephone or fax and the supporting documents can be sent after the 10 days deadline if the file has already been opened. Special second home insurance policies often include a provision for an expert to visit your property and assess the damage themselves if you are away during a natural disaster.

You will need to provide a description of the damage, a list of all lost or damaged items and proof of ownership and their value (invoices, photographs). Take photos of the damaged items, but you should not throw them away – especially in the case of valuables, as the insurer may call an expert to visit and assess the validity of the claim. If you need to do urgent repairs or cleaning, you need to take pictures first.

More information on natural disasters and insurance can be found here

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