how to get compensation from your insurance


After suffering a short but intense and devastating episode of hail, the Gironde is struggling to wake up under the impact of the damage. Insurers guide us to have the right gestures. They are overwhelmed.

In one morning Patrick Allemandou, insurer at Bouscat, near Bordeaux, and his 3 collaborators, received more than 500 phone calls from people affected by the hailstorm. “ Most of the phone calls and damage concern Taillan-Médoc, but the municipalities of St Médard and Eysines are also affected, as well as Libournais “.

The first advice during or just after the episode is to call the assistance indicated on the contract in the event of extreme damage, because this can secure damage and avoid aggravations to be reimbursed correctly.

Taking photos or videos to be able to illustrate the damage in an exhaustive way is the main recommendation.

Thereafter, it is recommended to act in a good family’s father “. This notion is of course to be assessed in the circumstances and requires securing the damage to prevent it from getting worse. Subsequent damage for lack of responsiveness and damage assessment, will not be or not well covered.

Patrick Allemandou, defines the notion of “acting as a good father” for us as the need to carry out the first emergency actions under the influence of common sense. “If the hail has broken tiles or the veranda, it is a question of covering so that the water does not penetrate inside”. And then he clarifies:

Above all, do not intervene yourself, do not go up on the roof to change or move tiles as I saw today.

Patrick Allemandou, insurer at Bouscat

Let the professionals do it.

“If you repair part or all of the damage yourself, keep your invoices for the purchase of materials: they will be taken into account by your insurer”tells us the federation of insurers France Assureurs.

It is recommended to contact the emergency platform or your insurer by sending them the pictures. The deadline for declaring the damage in the event of hail is 5 working days, from the moment it was brought to our attention.

With regard to damage caused to dwellings:

Home insurance contracts contain a hail guarantee that covers all damage caused by hail (damaged roof, furniture damaged by rain or hail following roof damage, etc.)

France Insurers

France 3 Aquitaine

The federation of insurers is aimed specifically at farmers hail victims: “You must inform your insurer, preferably by registered letter, at the latest within 4 days”.

They are advised not to touch the harvest before the arrival of the expert, unless “the harvest is ripe and must be picked or reaped urgently”. France Assureurs specifies in this case “don’t forget to leave control areas on site”.

For damage to cars and more specifically windscreens and rear screens, call assistance to be directed to an approved garage. If it’s the bodywork, you have to take your car to a bodybuilder to have it dented. This damage will be covered for any contract concluded with an all-accident damage guarantee, with more or less deductible according to the initial clauses. Some insurance companies require adherence to weather event cover.

The Bouscat insurer, from whom we take advice, estimates that with regard to the cars affected, they could number in the thousands.

As for the companies and a possible interruption of activity, they must therefore benefit from an “operating loss” guarantee. This is most often included in a multi-risk insurance contract but can also be the subject of a separate contract.

The state of natural disaster is an exceptional measure which must be requested from the prefecture by the town halls of the most affected municipalities. This has not yet been decided for the Gironde.

If the Public Service site specifies that:

Damage caused by hail and strong winds is excluded from the “natural disasters” guarantee. They are covered by the “storm, snow and hail” guarantee of property damage insurance contracts.

“This allows everyone to be compensated, even people who are not insured”explains Patrick Allemandou.

Thereby “well-insured people end up with a higher deductible but uninsured people are compensated” subject also to the payment of this deductible.

This deductible amounts to 380 euros for homes, motor vehicles and other goods for private use.

Otherwise, it corresponds to 10% of the amount of the damage (with a minimum of 1140 euros) for goods for professional use.

And last advice: arm yourself with patience.



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