Maître Ariadna NEBOLSINE

Avocat au barreau de Libourne

Compétences : Construction, Droit immobilier, Droit des assurances, Responsabilité civile, Droit public, Droit des associations et des fondations, Droit du numérique et des communications

Barreau : Libourne

Adresse : 2 LIEU DIT CAPERANIE 33420 GUILLAC

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Publié le 22/07/2026

Legal News Insurance Natural disaster drought coverage: a 2-year time limit — watch out!

Evènement/Actualité institutionnelle

Par Me Ariadna NEBOLSINE

Legal News
Insurance

Natural disaster drought coverage: a 2-year time limit — watch out!

Exceptional events, like flooding, can cause serious damage to homes and property. In these situations, your insurance may compensate you under certain conditions. How does this compensation work, and when does it apply? Here's what you need to know.

Natural disaster coverage lets you get compensated for property damage caused by an abnormal natural event — flooding, drought, landslide, avalanche, earthquake, and so on. This coverage is automatically included in property damage insurance policies, particularly comprehensive home insurance and certain car insurance policies.

Once the official decree recognizing a state of natural disaster is published in the Journal Officiel, you must report the damage to your insurer — as soon as you become aware of the event, and no later than 30 days after the decree is published.

Claims for drought damage are subject to a 2-year time limit. Beyond a lawsuit against the insurer, there are only 5 ways to stop that clock from running out:

The insurer acknowledges coverage
An expert is appointed
The insurer sends the policyholder a registered letter regarding premium payment
The policyholder sends the insurer a registered letter regarding the compensation payment
The case is referred to the insurance mediator

That's it for today — stay informed, and see you soon for more legal news!