what to do in case of damage caused by rain and hail?

The hail did a lot of damage on June 2, both in the Dordogne and in other departments. This is a recurring phenomenon that is becoming more and more common and is worrying.

In a quarter of an hour, everything is destroyed

And that causes a lot of damage to buildings, vehicles and of course crops. In all contracts, housing for individuals, or professional multi-risk for companies, the guarantee of hail on roofs or other property is covered. It is not necessary to wait to declare to the town hall if it requests the recognition of the state of natural disaster, but it is not necessary to wait, especially to contact its insurer and to declare the suffered accident. The time to get repair quotes done, to put in place the expertise is longer. But the claim must be declared within 5 working days by mail or courier.

Hail severely affected crops in the Dordogne. The Bergeracois was particularly impactful: storms and hail destroyed cars, canopies, pool openers, and of course crops sometimes at 95%. Normally, the insurer will compensate for the damages since the hail is part of the care guarantees acquired on the contract. Whether it is a multi-risk home for an individual or a multi-risk professional or multi-risk agricultural contract, the guarantee is almost the same since with the fire, the storm is automatically insured. And in the storm, the hail is covered. The insurer takes into account, for example, personal work to secure what is damaged or destroyed immediately.

The interest in obtaining the status of recognition of natural disasters is major

The risk of a natural disaster is covered in all insurance contracts, ie it is automatically included in the underwritten contract. This is not an option. This has been made mandatory by law. As soon as there is a recognition by the state of the “state of natural disaster”, the victims are certain to be able to receive compensation. In the event of damage to a vehicle, it is the car contract that will cover the damage.

Beware, you do not have to attend the official declaration of natural disaster to be compensated for damage caused by hail. Not all farmers are insured against hail damage, as insurance is very expensive and not mandatory.

In the event of a tree falling causing damage, the responsibility of the municipality, the department, a neighbor … may be incurred. But if it is a major storm or climatic event, the owner may be relieved of all liability. In this case, the insurance contract, vehicle or building insurance takes over.

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