INSURANCE OF INDUSTRIAL DISASTERS
The 21 September 2001 explosion of the AZF factory in Toulouse is a historic industrial disaster that will remain etched in our minds: 30,000 homes affected, 5,000 damaged vehicles, 7,000 industrial and craft companies affected, not to mention the thirty people who have lost their lives and hundreds of wounded.
WHAT IS A TECHNOLOGICAL DISASTER?
In the same way as for the insurance of natural disasters, the insurance intervenes only to the publication in the OJ of the decree of technological catastrophe (article R. 128-1 of the insurance code: the state of technological catastrophe is by order within a maximum of fifteen days).
WHAT TO DO AFTER A TECHNOLOGICAL DISASTER?
Above all, do not throw anything away . Keep all damaged objects (broken, split, burned …) as you must provide proof and extent of damage . Remnants of things can be valuable to help you build proof of your losses. You must also take any emergency measures to avoid aggravating the damage (caulking windows, closing the housing …).
Specific rules are provided for by the law of 30 July 2003 supplemented by the decree of 30 November 2005. This decree has taken over an agreement put in place at the insurers’ initiative in 2004, which favored rapid compensation for victims by adopting simplified appraisal procedures.
Compensation for uninsured victims has also been provided for by the legislator. In accordance with Article L. 421-16 of the Insurance Code, the Guarantee Fund for Compulsory Insurance of Damages (FGAO) is responsible for compensation for property damage caused by a technological disaster to the main dwelling not covered by a damage insurance contract.