- Direct material damage caused by the abnormal intensity of a natural event. This legal coverage, set out in Article L125-1 et seq. of the French Insurance Code, is triggered when an interministerial order published in the Journal Officiel confirms the status of natural disaster by zone, period and type of damage. The applicable amount of the excess is set out in the regulations applicable at the time of the event and is incorporated within the contract's special terms and conditions;
- Damage to insured property resulting from a technological disaster within the meaning of Article L128-1 et seq. of the French Insurance Code. The status of technological disaster must be confirmed by interministerial decree published in the Journal Officiel. No excess will be applied to such cover.
For example if water were to enter your home during a flood we would cover the damages to your possesions.