2024-01-09 10:58:32
The start of this year 2024 is off to a rather bad start for the town of Guipry-Messac, in Ille-et-Vilaine. Her insurer dropped her and no other company agreed to cover her in the event of property damage. Result: if the church burns, if the roof of the school flies off or if the gymnasium takes on water, the bill will be entirely borne by him.
The classification as a flood zone partly explains the reluctance of insurers. The excuse, however, remains stuck in the throat of the mayor, Thierry Beaujouan. ” It’s crazy ! The last time we had a building flooded was the multipurpose hall in 2001. Since then, we have not had any major disasters,” he explains, noting in passing the large profits made by many companies. .
The chosen one does not give up. He asked his broker to show several insurer representatives around his town in order to prove to them “that we are not more at risk here than elsewhere”.
In Morbihan, Lanester saw its franchise multiplied by 100
According to the Association of Mayors of France, the case of Guipry-Messac is not isolated. Communities are finding it increasingly difficult to insure themselves in the face of the growing disengagement of insurers since the end of the health crisis, which has accelerated in recent months with the urban riots affecting the entire territory.
After several months of fruitless searching, the town of Lanester (Morbihan) has just found an insurer but had to accept an explosion in its contribution of 140% and a deductible multiplied by 100. “We couldn’t afford to self-insure, assures Mayor Gilles Carréric, but these conditions are very onerous, especially since the companies mention the bill for riots when there was nothing of the kind in Lanester. »
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