due to an unknown clause, his insurance refuses to compensate him in full

Francine and her husband are building a house in Auvergne. Victims of a construction site theft, they were only partially compensated by their insurance due to a common but little-known clause in insurance contracts.

Francine is used to doubling days. Since February, she has not only been a daycare worker, she has also become Madame Bricolage. In fact, together with her husband, they are building their own house in Ravel, near Clermont-Ferrand. The work is progressing well, but at the beginning of August, in the middle of the night, burglars break into the place and steal windows, a bay window and the front door. Parts just laid and installed.

The couple filed a theft complaint and then turned to their insurance for compensation. But if their house is well covered, their insurance company, AGPM, offers them only 1,000 euros out of the 14,000 damages. This is the cold shower for the couple:

“For me, I was sure that I was calm. I told myself, there is no problem, everything will be taken care of. But not at all…”, Francine explains to us.

“We are insured to the maximum. We would not have been to the maximum, what should we really have had? This is something I do not understand: We are forced to take out an insurance that we pay for every month, and when such a tile happens to us, we stand against the wall and we can’t do anything,” she laments to RMC.

A common practice

Francine immediately made a claim, but AGPM again refused to compensate further. The insurance has the right not to reimburse it in full. The contract states that before windows and doors are installed, they are considered furniture and fully refunded in case of theft. But the second these carpentry are installed, they become what’s called “real estate by destination,” and in this case, it’s not the same level of compensation.

This practice exists with many insurance companies. But Francine never knew, nor was told when she signed her insurance contract:

“Our advisor didn’t even know about this article,” she explains.

“It is their job to warn customers, especially in buildings where the materials are getting more and more expensive. There will be more and more thefts, more and more people will be affected, and it would be nice to have more support, more explanations about all these guarantees , which we may have at the insurance level and which we insured do not know completely.

A gesture of goodwill

The “RMC is committed to you” team nevertheless called the insurance company, hoping for a commercial gesture. AGPM was very responsive. Although within its rights, it recognizes that there is a lack of correspondence between the damage suffered and the amount of compensation.

She will therefore make a gesture: the couple will be compensated up to 9,000 euros, or ten times the original amount. AGPM also commits to work on this famous property clause by destination to better compensate this type of claim.

Joanna Chabas and Elise Denjean with Maxime Martinez

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