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Domestic fires, in addition to bodily risks, can cause considerable damage to property.
Housing fires, according to official figures, constitute a fairly frequent risk, around 300,000 per year.
A particularly shocking incident, it has a significant psychological impact on the victims.
Added to this shock is the stress resulting from the more or less significant loss of personal objects and the cost of home repairs.
Having good home insurance is therefore essential to obtaining compensation.
Although homeowners are not required to take out insurance for their home, this is strongly recommended.
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What is compensated in the event of a fire in your home?
The fire guarantee is a basic guarantee of your home insurance contract.
She covers :
damage or destruction caused by fire, smoke or the intervention of firefighters,
damage or loss of your furniture,
damage to your household appliances, personal effects, clothing, jewelry, etc.
restoration work to make your property habitable again.
What factors does the amount of compensation depend on?
The more or less extensive coverage for the consequences of the fire depends on several factors and the clauses of your home insurance contract:
The guarantees of your insurance contract taken out: the general conditions of your contract specify the conditions of your compensation.
The possible limits of compensation in the event of a disaster relate to your compliance with prevention obligations: installation and maintenance of a smoke detector, maintenance and sweeping of chimneys, clearing of brush.
In the event of negligence on your part (electrical device left under voltage, cigarette butt), your compensation may be reduced or called into question.
The estimate of the value of your property, useful for its rehabilitation or reconstruction.
Your choice of compensation for your movable and immovable property according to their used or new value.
The compensation limit of your home insurance contract: it provides a maximum amount in the event of a claim.
Also take into account the amount of the deductibles, the amount deducted from the compensation.
The calculation of the amount of compensation for your real estate is carried out either in use value or in replacement value:
The use value corresponds to the estimate of the value of your property at the time of the loss, taking into account their obsolescence.
The replacement value corresponds to the current replacement price with new goods of an identical nature.
Check if your multi-risk home contract includes a rehousing guarantee in the event of a disaster, making it impossible to occupy before the restoration work.
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How to maximize your compensation
Follow some tips to obtain maximum compensation in the event of a fire:
Do not hesitate to compare the different home insurance contracts on the market.
Take out sufficient guarantees to obtain maximum compensation based on the real value of your property.
Keep proof of your purchases of movable goods, invoices, etc. and take photos of your home and the objects that furnish it.
Take out an optional guarantee for your valuable goods, jewelry, works of art if you own them.
Take photos of your home and the objects that furnish it.
Choose the compensation ceilings to obtain the best possible compensation based on the value of the movable and immovable property.
Report the loss to your insurer within 5 working days of its occurrence to speed up the compensation procedure.
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