a bill to “better protect victims” from insurance

Catherine Fabre, MP for the second constituency of Gironde, is preparing to table a bill to make the collateral guarantee mandatory in insurance contracts. A bill was drafted with the collectives of the victims of the effluents on rue de La Rousselle.

130 people evacuated, three injured, one seriously. Securing work still in progress. Almost a year after the collapse of two buildings on rue de La Rousselle in Bordeaux, the deputy of the second constituency of Gironde, Catherine Fabre, detailed in a press conference on Thursday, May 12, about law for “effective protection of victims of building collapses ”. It aims to make the collapse guarantee mandatory in multi-risk insurance contracts, as is the fire or flood guarantee.

Legal vacuum

After several months of hearing with the Fédération des assurances, the Ministry of Housing, victims’ associations such as those on rue de Trévise or rue d’Aubagne in Paris, the deputy drew conclusions about this “legal vacuum”:

“The victims were left to fend for themselves, without the possibility of returning home, without the possibility of having any compensation or aid to be able to buy back what they live on every day.” In insurance contracts, you have no choice but to remedy the damage. »

And emphasizes the importance of a law, especially for residents of quartiers anciens et fragiles:

“It simply came to our notice then. Insurers believe that effondrements may be due to a maintenance defect on the part of the owners. We had to separate, in the law, the fact that his building is well maintained and the fact that there may be a hazard. If a well-maintained building collapses, the collapse clause must be the default in the contracts. »

Catherine Fabre exchanging with one of the victims of the rue de La Rousselle (VB / Rue89 Bordeaux)

Catherine Fabre instituted a “health label awarded by an independent authority”. Every 5 years, an assessment of the maintenance and soundness of buildings built before 1970 will have to be carried out. A “label” that will be an obligation for co-owners and unions.

The bill will be tabled “in the wake of the National Assembly so that the next elected official can seize it as early as June,” Catherine Fabre of course hoping to be re-elected.

If the electoral opportunism of this bill calls for a month of legislative elections, where the deputy of Bordeaux is a candidate for re-election, she assures that she “did not wait to be in the campaign to work on the subject”, and that at least “the problem will be posed.”

JURISPRUDENCE

Thomas Drouffe, president of the Association of Victims and Disasters of Rousselle, rules in this law “serve in the future.” The owner of an apartment at number 32, has not been able to return to his apartment for a year:

“The law will not apply in our case because a law cannot be retroactive, but it has a double interest. For people who, unfortunately, could suffer what we have experienced and avoid the obstacles in that we are with insurance. Then, if the policy is concerned with our situation, insurance can come back to us. »

The security work must be completed by the end of June. The collapse of the bottom of the plot, which occurred in early April, delayed the reopening of the street, originally scheduled for mid-May. These works, mandated by the town hall, must allow the reintegration of the inhabitants side pair de la rue. On the odd side, according to Thomas Drouffe, is the “uncertainty”, as the repair and reconstruction phase has not yet been evaluated. A pre-report on the causes of the collapse and responsibilities should be made by June.

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