The toll is heavy, heavier than the first models had predicted. Storms Ciaran and Domingos caused a total of 517,000 claims and more than 1.3 billion euros in damage according to the first figures given by France ureurs this Monday, November 13. Ciaran and Domingos already rank fifth among the most devastating storms in mainland France, after Lothar and Martin in 1999 (13.8 billion euros), Daria, Herta and Vivian in 1990 (3.4 billion euros), Klaus and Quinten in 2009 (2.6 billion euros) and Xynthia in 2010 (2.0 billion euros).
Ciaran, on November 1 and 2, then Domingos, on November 4 and 5, particularly affected Brittany, Normandy, Nord-Pas-de-Calais, New Aquitaine but also Corsica. A sign of the intensity of the phenomenon, the wind reached 207 km/h at Pointe du Raz (Finistère). And, at the height of the episode, some 1.2 million homes were deprived of electricity. 8,000 still remain without power in Brittany eleven days after the page of Ciaran.
According to France ureurs, 91% of these losses concern private homes, 5% professional, agricultural and local authority property and finally 4% automobiles. For the hundreds of thousands of individual victims, this means torn roofs, damaged cars or even water infiltration into homes. In terms of cost, of the 1.3 billion euros of compensable damage noted, 84% of this sum concerns private housing, 12% professional, agricultural and local authority property and 4% automobiles.
Until December 1st to report the damage to your insurer
All individuals benefit from the storm guarantee present in all comprehensive home insurance contracts. While they normally have 5 days to report the damage observed, insurers have decided to leave until December 1 to complete these formalities.
Please note, this essment does not take into account the floods which paralyze hundreds of municipalities in Pas-de-Calais and the North for more than a week, an indirect consequence of the two storms and the enormous rainfall that followed. These communities will be clified as natural disasters and victims will be subject to joint reimburt of damages by insurers and the Central Reinsurance Fund (CCR).