Question 25388 — natural disasters

Summary

Ms. Danielle Brulebois draws the attention of the Minister of Ecological and Inclusive Transition to the shrinkage-swelling hazard of clay soils and more particularly to the issue of insurance for homes affected by this phenomenon. Indeed, many people find themselves in very complicated, even desperate situations, because insurance companies refuse to reimburse them for losses and disasters due to force. major, and more particularly natural disasters. For example, several residents of his constituency suffered damage to their homes in 2013, such as cracking of structures, distortion of doors and windows or even dislocation of paving. As such, they filed a claim with their insurance company linked to the shrinkage-swelling hazard of clay soils. But at this At the time, their town had not yet been recognized as being in a state of natural disaster. However, following the 2017 drought season, homes showed new cracks and significantly increased damage. An interministerial decree recognizing the state of natural disaster for differential land movements following drought was published in the Official Journal of the Republic French for the period from July 1, 2017 to December 31, 2018. However, this decree being defined for a specific period, the insurance companies refuse to include within their scope of coverage, the damage which has greatly amplified and worsened due to the drought of 2017 on the pretext that certain cracks had been noted in 2013. Not having the financial means to repair their houses, some of which threaten to collapse, these people, like others, feel abandoned and unfairly excluded from the solidarity system. Thus, it seems important to act quickly, and it is for this reason that she asks him how it can be envisaged to remedy this situation.

Machine translation from French. The official text remains authoritative.

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