The fire or explosion warranty, present in all inexpensive home insurance, can be refunded in case of disaster. But some homeowners may require the subscriber to implement certain security measures for better compensation. In case of disaster, the steps to be taken are also multiple and complex. Here’s how to better understand how the fire or explosion warranty works.
What are the different fire-fighting devices required to be well compensated?
There are several security measures that homeowners can demand: brushing, sweeping and smoke detectors. Otherwise, your home multi-risk could decide to reduce your compensation.
The clearing most often concerns homes located in the South of France. Indeed, this region is conducive to fire because of high temperatures and lack of water in summer. This clearing must be done 50 meters deep around buildings, and 10 meters wide around paths. This extension can be extended by order of the mayor or the prefect.
Also Read About: Inexpensive Home Insurance
As for chimney sweeping, it is mandatory and must be done twice a year, including one during the heating period. Failure to sweep can be punished by a fine of 450 euros because it constitutes a third-class ticket. The maintenance also concerns gas or oil heating ducts, from the moment they emit fumes. This helps prevent fire and carbon monoxide poisoning in particular.
Finally, the installation of at least one smoke detector per household is a legal requirement since March 9, 2015. The installation and payment of the Independent Alarm Smoke Detector (DAAF) are the responsibility of the owner of the housing. It should preferably be installed in the traffic zone or at the level of the corridor serving the rooms to warn the occupants of the dwelling if they are asleep when the fire starts. The DAAF must comply with the harmonized European standard NF EN 14604 and have the CE mark. You must submit the installation certificate to your inexpensive home insurance, but be aware that it cannot claim to date a defect of installation to not compensate you at all.
How to operate your fire or explosion warranty after a disaster?
The steps to be taken are numerous and to be done within a maximum of five working days after the disaster. This mail must include your contact information, the contract number, and the date of the accident and a first description of the damage. Send it to your preferred insurer by registered letter with acknowledgment of receipt (LRAR).
You will have to present as much evidence as possible, justifying the existence of damaged property. Do not throw away any objects, even burned or damaged, you may regret it. Gather also anything that can identify property damaged or destroyed by the disaster: invoices, photos, warranty, etc. Before the visit of the expert, make sure that your inexpensive home insurance allows you to start the work before any repair. On the other hand, you can make refurbishment quotes to support your arguments at the time of the appraisal.
For real estate belonging to the insured, it will require a certificate of the notary.
How is the compensation?
The amount of the compensation is fixed after the valuation of the expert of the home insurance. So be sure to attend the expertise to defend your point of view.
In case of disagreement with the conclusions of the expert, inform your insurer by LRAR and see with him if an amicable solution is possible. You can also call an independent expert at your expense, or enter the customer service or quality management of your home insurance. If the dispute persists after the opinion of a third expert (whose fees will be divided between you and your insurance), you can seize the mediator of your insurance company.
If you are not satisfied with the agreement, you can also appeal against the liable third party.
In case of loss attributable to the owner due to lack of maintenance or construction defect, the insurance of the owner will take care of the loss.
If the fire or explosion starts at a neighbor’s house and causes damage to your home, your insurance will reimburse you and then return to that neighbor’s insurance.
If, on the other hand, the claim originated at your home but you have a comprehensive home insurance, you will be indemnified by your insurance. This means that there are rules regarding the guarantee ceiling or obsolescence and that deductibles will apply. Read carefully your contract. Likewise, if your neighbors or landlord are affected, their own insurance will compensate them before turning against yours.
However, if you are a tenant and your insurance is limited to rental risks, your landlord will be compensated but you will have to repay your neighbors and take care of the damage you have suffered, unless otherwise stipulated in your contract.
What to do if a tenant is not insured?
The tenant has the obligation to take out a home insurance. Nevertheless, it can happen to fall on unscrupulous tenants, and end up in a situation where the tenant would not have home insurance.
It will therefore be up to him to compensate directly the owner and the neighbors, unless he can prove that the fire is not his responsibility. In other words, it must originate from one of four reasons:
The lack of maintenance on the part of the owner,
A construction fault,
A case of force majeure (lightning …),
Or if the fire comes from a nearby dwelling.