Langreney report proposes penalizing insurers withdrawing from the most exposed areas. A system financed by a Cat Nat tax, levied on each damage insurance contract.

Second home owners should be protected from climate change, Langreney says. In France, the Cat Nat regime (for natural disasters) provides that insurers and the Central Reinsurance Fund (CCR) share compensation equally in the event of flooding, submersion marine, earthquake or even for the consequences of shrinkage phenomena.