Storm Xynthia: 10 years 2 months after Lothar

[FPLM]

Why get angry? It feels good and it breaks the impunity that some officials take.
Here, the proof that you have to get angry:
http://www.lalibre.be/actu/belgique/article/566286/frederic-daerden-depose-plainte.html?gclid=CO-yzczEmqACFcs-3godygrrdw
Do the same in France. Report!

[Christophe]

It turns to the regulation of account this subject ...
To refocus a little:

Insurance time

Storm Xynthia, which hit France on February 28, was devastating, especially on the Atlantic coast. Natural disaster orders should be issued quickly. It is within this framework that the damage will be mainly covered by insurers. Update on the procedures incumbent on individuals.

Xynthia arrived in France from the west during the night of Sunday February 28 to Monday March 1. Winds blowing over 130 km combined with strong tidal coefficients (over 100) left around fifty people dead, temporarily deprived of electricity of a million homes and causing damage which will certainly amount to hundreds of millions of euros (those of the Klaus storm of January 2009 have just been the subject of a final estimate: it is 1,6 billion euros). The most affected departments are Vendée and Charente-Maritime. This is what you need to know to prepare your declaration if you are affected by this incident.


What is the legal deadline for sending the claim declaration?

It is in principle very short (5 working days) but, as often in this type of event, the French Federation of Insurance Companies (FFSA) will probably lengthen it. It was to meet Monday to adopt a device of circumstance.

What must be declared?

You must describe as precisely as possible the damage suffered and the losses caused, without forgetting the date. Do not try to assess the amount of damage yourself, an expert sent by the insurer will do this, if necessary. It is also unnecessary to have quotes made at the time. If your insurer deems it necessary, they will ask for them later. On the other hand, collect as many supporting documents as possible: photographs of the goods after the storm and before if possible, warranty for household appliances, invoices for repairs or craftsmanship, etc. Send your file by registered mail or bring it in person to your insurer.

Can we start work without waiting for the expert?

It all depends on the extent of the damage. Given the expected workload, it is very likely that the experts will not travel to assess claims below a certain amount. If you have suffered a great deal of damage and an expert has to pass, it is better not to intervene, except in the event of a security emergency, of course. Please note: craftsmen could take advantage of the situation to increase their prices by claiming that "insurance pays". Yes, but the insurer can also firmly challenge a delusional invoice ...

What does it mean to be in a natural disaster?

The government should publish in the "Official Journal" before Wednesday, March 3, a natural disaster order identifying the areas concerned, commune by commune. The criterion, in principle, is the force of the wind, which must have exceeded 145 km / h on average for 10 minutes. This state of natural disaster allows compensation for disaster victims through the activation of a special fund financed by a contribution from all insurers. Without this fund, insurers would invoke force majeure, which exempts them from reimbursement. Basically, natural disaster insurance covers the same property as property and casualty insurance, plus flooding. Generally poorly covered by insurers, the damage resulting from floods is very significant in this case, the sea having invaded large inhabited areas. Important point: the state of natural disaster sets excess thresholds which are raised if your municipality does not have a natural risk prevention plan, and if it has been the subject of several natural disaster orders in recent years. More information on www.cat-nat.net.

What does multi-risk home insurance cover?

It compensates for the direct action of the wind or of a body overturned or projected by the wind (what is called the storm guarantee). Multi-risk insurance is compulsory for tenants and highly recommended for owners and co-owners. It covers real estate, furniture and valuables. It is impossible to summarize here the deductibles and exclusions of the various existing policies. Reread your contract if you have it, and, if not, call your mutual insurance company or your insurer, being patient: in this kind of circumstances, the wait can last several tens of minutes. The “storm guarantee” of your multi-risk contract will work without difficulty in the areas directly affected by Xynthia. In the bordering area, your insurer may ask you for a certificate from the local Météo France office confirming that the wind has exceeded 100 km / h.

Are rain damage and power outages covered by the storm warranty?

The storm cover extends to damage caused by rain within 48 hours of the incident, inside buildings damaged by the wind or its consequences (the fall of a tree on a roof, for example). It also covers a fire caused by a short circuit or other side effect of the storm. Most policies, however, do not cover the damage that a computer or freezer power outage can cause. If the contents of the latter are lost due to a flood, you should be compensated. If it's a power outage, you probably won't be.

What are the other most common exclusions?

Plants, garden sheds, shutters, gutters, fences, windows (unless your contract provides for glass breakage) are frequent exclusions. TV antennas are in principle not covered. In the event that a corrugated iron panel torn from your garden shed has damaged your house, the storm guarantee works for the house, not for the shelter. If you have never declared the veranda that you built, it will obviously not be covered either.

What about cars?

To be compensated, you must have taken out damage insurance for your vehicle. Compulsory liability insurance is not enough, even with a natural disaster order. If you are covered, follow the ordinary procedure, using a garage approved by your insurer.

What period of compensation?

In the event of a natural disaster, insurers have a maximum of 3 months from the declaration to compensate the victims.

Discount on local taxes

Budget Minister Éric Woerth has announced that the victims of Xynthia will be able to benefit, on request, from a “full rebate” of the housing tax and the property tax for the year 2010. The government will also ask the tax centers to examine with "benevolence" the requests for remission or payment periods made by the victims for their taxes in general.

Erwan Seznec

http://www.quechoisir.org/pages/breves/ ... =nlh100302

We "lost" 1 end of the feitière (well it just moved) and a greenhouse (soft tarpaulin at 230 € but it is + or - repairable) but I frankly do not want to piss off with the insurance ...

[oiseautempete]

But most (28 or 29 this evening) are due to a break in the dike (double cause: storm + high tide) in Vendée ... which is the fault of "bad luck" ...

In any case it's not trivial as a storm ...

By the way, I would like to know pkoi the Elysee talking about "national disaster" (Sarkozian expression quickly relayed by the journalists at the boot of the government ...)?

To consider this storm as a "national" is to despise the victims of other countries affected by the storm ...

It's a natural disaster ... no point! The nation has nothing to do with it ... let alone nationalism ...

We are all equal to the whims of nature ... who does not know the borders (at last, let's not forget that Sarko was one of those responsible for the lie of the cloud of Cherno ...)

Obviously you hate Sarkozy, it's just his manners that I don't like, not his work, which is rather remarkable overall ... as for his "involvement in the Chernobil era" ... blah, he was appointed to responsibilities "in the fight against chemical and radiological risks" at the Ministry of the Interior 1 year later, so that does not hold water ...
This storm is indeed a national catastrophe from the point of view of the PRESIDENT OF FRANCE, by recalling that Sarkosy is not the emperor of Europe, contrary to what was an illustrious Corsica who was not elsewhere no bigger in size than Sarko ...
Storm not anecdotal ?, from a global point of view this storm was nothing at all: nothing to do for example with a cyclone whose storm tide would have been double with winds of 100 km / h faster (for example: atolls are completely submerged in the event of a cyclone, the only protection, the "common houses" mounted on stilts where the population takes refuge) ... or even tornadoes like there are hundreds of them every year in the USA, capable of pulverizing a house like a piece of straw with winds of 500km / h ...
When it comes to "bad luck", it is just the result of local wastefulness: hardly any maintenance of dikes built at great expense by the old ones ...

[Christophe]

Ah ah ah within 1 second we were doing a twin post!

Posted on: Tue 02 Mar 2010, 20:20:48
Posted on: Tue 02 Mar 2010, 20:20:49

No I don't hate Sarko, I just don't like liars ...

[FPLM]

Sorry to drive the point home

almost no maintenance of dikes built at great cost by the ancients ...

And above all, urban planning which has never been reconsidered under the criterion of climate change, however observed for more than a decade. No plans have been made and the damage reconstruction time may be too short to withstand a second such disaster next year.
http://www.lesoir.be/actualite/france/2010-03-01/le-littoral-vendeen-victime-de-l-amenagement-du-littoral-756274.shtml
This is the inevitable controversy! The proof has already been made over and over again, prevention is better than cure! The public authorities, yet supposed to embody wisdom, were aware, they just folded their arms, preferring to tackle a less econological or more "financial" task.
Admittedly, this is not the time to attack them, which they repair first. But to let them slip away, fleeing their responsibilities, no!
There are controversies that need to be debated seriously and accounts that need to be settled, especially if lives are in danger.

These floods, triggered by heavy rain or storms, most often had a
inevitability. However, several factors, linked to human activities, may have contributed
to aggravate the intensity of these phenomena, in particular:
􀂡 intensive urbanization, particularly in risk areas (development of areas
urban and public roads, changes in the course of rivers, reckless occupation of
flood zones). The French Ministry of Ecology is said to have identified 4,5 million euros
people in flood zones dispersed in nearly 8 municipalities;
􀂡 deforestation, in particular felling which has been authorized in the valleys, in particular
Germany and Austria, to allow the construction of holiday homes, areas
industrial or commercial on hitherto wooded edges of mountain rivers;

from a European report from 2005. (Source)

[dedeleco]

On TV they presented reactions from the victims of Xynthia and it is frightening to learn that before town planning had forbidden the skylights, to build with a floor !!!!
The town planning was criminal (55 dead) in addition to authorizing to build in flood zone, it prohibited the means to be saved in a flood behind dikes of 230 years, without flood during this period.
Then the state does not seem to be able to manage the demolitions since they are decided with beautiful errors, house to be demolished never flooded (raised with 145 trucks of earth!) And other very flooded just behind the dike are kept while those on the other side of the street are to be demolished !!!!
One has the impression that the pressures and straight passes passed continue with impunity !!!

In France there is an armada of sites with an almost certain catastrophe risk over periods of 200 to 400 years, as for Xynthia and others in the past.
In fact, no place is safe from storms, floods, earthquakes, new Chernobyl, tornado, tsunami, thunderstorm and lightning, and we should demolish everywhere with the same logic!
All the houses with a tree that can fall on them should be demolished, as well as the risk of Tsunami by the sea (underestimated with certainty over 400 years considering that in Lisbon in 1755 !!
http://fr.wikipedia.org/wiki/Tremblemen ... e_Lisbonne
on the Atlantic Ocean risk not limited to Lisbon !! )
which would destroy the entire Atlantic coast for hundreds of kilometers much higher than Xynthia, flooding and destroying everything on 5 to 10 meters above sea level and not only behind the protective dikes !!!
We are considering a risk only after the disaster when it is too late !!!
The authorities, even allegedly prepared, are unable to manage these disasters, as for Xynthia worse in proportion to its magnitude !!
The seismic and tsunami risk is 10 to 50 times lower in Europe than in other regions such as Japan, China, California, Chile (the random frequency goes from 50 years typical to 500, 1000 years at most!), But it is real and certain as much as continental drift !!!

For nuclear, we still underestimate the risk and a new Chernobyl is a certainty sooner or later as for an earthquake, a tsunami or a storm.
We will be forced to evacuate in less than a day an entire region (radioactive!) And unlike other disasters, it will be impossible to return to it, to cultivate it, for centuries, because contaminated for 30000 years plutonium, etc. . !!
Imagine Lisbon destroyed in 1755 still banned because radioactive, if there had been nuclear power plants as in the Gironde today !!!
The economic disaster would be worse than anything since perpetuated over centuries.
When we see the difficulty in managing Xynthia correctly, in measuring the real altitude for flooding, much more difficult radioactivity would be measured with lots of errors on the real risk !!!

France with nuclear power plants takes a disproportionate risk and systematically underestimated !!

[sen-no-sen]

Dedelco, if we followed your recommendations there wouldn't be many livable places in this country ...

Example with the city of LYON: 3 nuclear power plants St Alban 50km, Bugey 30km, Super phoenix at 70KM, a P4 laboratory (there are two civilians in the world, the other is in Atlanta) 3 km from the city center, 3 petrochemical sites (Feyzin10km, Roussillon30km, Collonge au Mont D'or 20km) and a strategic base (Mont Verdun, 12km, from which starts the order of activation of all the sirens of France during exercises every Wednesday).
The Lyonnaise agglomeration is the second in France ... it is potentially flooded.
From a technological point of view, it is the city "richest" in technological risks!
Ah well done Paris is a floodable city too.

It is necessary to differentiate Hypothetical risk and current risk.
Similarly, for floods, differentiate slow floods, which allow time to leave (most French cities are potentially affected) from flash floods.

For nuclear I fully agree with your reasoning, but for the most part, the political class has not understood it.

[dedeleco]

Dedelco, if we followed your recommendations there wouldn't be many livable places in this country ...

Exact, but these are not my recommendations, but a simple scientific analysis of risk over a period a little longer than human life, and given the multiplication of sources of risk, it is almost certain to have one of the possible disasters !!
Thank you for giving the list for Lyon that I had not drawn up, and we must add the seismic risk and landslides, not zero with the Alps which testify to its reality. It is more than worrying and therefore a catastrophe will occur all the more as one multiplies the risk factors.
Agree on current or slow risk which gives time to escape but the foreseeable Xynthia flash flood could have been anticipated with evacuation and houses with evacuations in the ceilings.
All floodplains with protective dikes that greatly reduce flooding have become at risk of flash flooding due to unpredictable flooding of dikes, according to an obvious scientific analysis !! It is necessary to put exits by the ceilings everywhere in France instead of demolishing in a single place which was not lucky but not more risk than elsewhere !!!
Without dykes, in 230 years we would no longer count the floods at la fault sur mer, but the flash flood Xynthia would not have occurred, leaving time to leave !!
The political class did not understand it, like the French on average, but it will be too late, after a Chernobyl-type disaster, or Bhopal, which with numerous deaths, will be an economic and human disaster for centuries !!

[sen-no-sen]

Hi Dedelco, the political class is suffering from "dental caries syndrome", basically: you don't have to go to the dentist!
It's the same, except that lives depend on it!
You only have to look at the history of fire safety regulations, (which occurred following deadly fires, or more recently still, the fire under the Mont Blanc tunnel) to understand that the political class only acts as a last resort!
Regarding the dikes, we must understand his wise words:
"hunt nature, it comes back at a gallop".

[Christophe]

A 191-page government report that just came out:
https://www.econologie.com/tempete-xynth ... -4296.html

STORM XYNTHIA REVIEW OF EXPERIENCE, EVALUATION AND PROPOSALS FOR ACTION

TOME I: REPORT

To watch by those who have been affected by near or far by Xynthia ...