A misfortune can happen at any time. It is therefore important to have the right reflexes in the event of a disaster. Of course, it is important to keep calm and clear-headed. But it also seems important to control other actions to be performed.

What is a claim?

In the insurers' terminology, a claim refers to any circumstance (fire, flood, accident, etc.) that results in the policy being covered: indemnity, capital repayment or annuities. In the case of civil liability insurance companies, a claim for compensation only exists if the victim claims damages. However, during the event, you must be able to react effectively.

The measures to be taken

Here are the steps to follow for each of the following disasters: In the event of an earthquake, you will have to drop to the ground, put yourself under a solid shelter, such as a table, and hold on until the ground stops wobbling. Once the worst is over, follow the instructions of the local authorities and install the emergency plan for your family. If an explosion has occurred, take immediate shelter under a desk or table and leave the building as soon as possible. Avoid using elevators and be careful with hot doors, as there may be fire on the other side. If a fire breaks out, have a fire escape plan with multiple exits in the house. If you live in a multi-storey house, consider installing fire escape ladders. Clear the area immediately. Do not put yourself in danger by calling or collecting valuables. During floods, listen to television or radio to find out where the overflow occurs. In the event of a disaster warning in your area, you may need to evacuate; in this case, do so directly by looking for higher ground. In the event of terrorist attacks, always stay tuned for reliable information. If you are in immediate danger, leave the area quickly and contact the local authorities to find out what to do next.

After the disaster

If your property or health has been damaged, contact your insurer to let them know. The declaration must be made within five days. Detail the damage in your document by specifying your name, contract registration, date and cause of the disaster. Indicate the sum of the estimated degradations with evidence of what you are suggesting, if possible. The insurer may use experts to assess the actual amount. But in any case, it is important to prevent disasters by having the right reflexes and actions.