a bill to “better protect victims” with insurance

Catherine Fabre, MP for the second constituency of Gironde, is preparing to table a bill aimed at making the collapse guarantee compulsory within insurance contracts. A bill drafted with the collective of victims of the collapses rue de La Rousselle.

130 people evacuated, three injured, one seriously. Security work still in progress. Almost a year after the collapse of two buildings on rue de La Rousselle in Bordeaux, the deputy for the second constituency of Gironde, Catherine Fabre, detailed during a press briefing this Thursday, May 12, her bill to “effectively protect the victims of building collapses. It aims to make collapse cover mandatory in multi-risk insurance contracts, like fire or flood cover.

Law void

After several months of hearing with the Federation of Insurance, the Ministry of Housing, associations of victims such as those of the rue de Trévise or the rue d’Aubagne in Paris, the deputy drew conclusions on this “legal vacuum » :

“The victims found themselves on their own, without the possibility of returning home, without the possibility of having compensation or aid to be able to buy back enough to live on a daily basis. In insurance contracts, there is not at all the possibility of a collapse and of repairing the damages of a collapse. »

And to underline the importance of such a law, in particular for the inhabitants of “old and fragile districts”:

“I understood that it was a matter of chance. Insurers consider that the collapses can sometimes be due to a lack of maintenance on the part of the owners. We had to separate, in the law, the fact of properly maintaining your building and the fact that there could be a hazard. If a well-maintained building collapses, the collapse clause should be default in the contracts. »

Catherine Fabre discussing with one of the victims of rue de La Rousselle (VB/Rue89 Bordeaux)

Catherine Fabre also intends to introduce a “health label awarded by an independent authority”. Every 5 years, an assessment of the maintenance and solidity of buildings built before 1970 must be carried out. A “label” which will be an obligation for owners and co-ownership associations.

The bill will be tabled “in the wake of the National Assembly so that the next elected representative can take it up in June”, Catherine Fabre of course hoping to be reappointed to defend it.

If the electoral opportunism of this bill challenges one month before the legislative elections, where the MP for Bordeaux is a candidate for re-election, she assures that she “did not wait to be in the campaign to work on the subject », and that at least, « the problem will be posed ».

Case law

Thomas Drouffe, president of the Association of Victims and Victims of Rousselle, hopes that this law “will be useful in the future”. Owner of an apartment at number 32, he has not been able to return to his accommodation for a year:

“The law will not apply in our case because a law cannot be retroactive, but it has a double interest. For people who, unfortunately, could suffer what we have been through and avoid the pitfalls we are in with insurance. Then, if the politicians are interested in our situation, the insurance companies could come back to us. »

The security work should be completed by the end of June. The collapse of the bottom of the plot, which occurred in early April, delayed the reopening of the street, initially scheduled for mid-May. This work, mandated by the town hall, should allow the reintegration of the inhabitants on the even side of the street. On the odd side, it is “uncertainty” according to Thomas Drouffe, the repair and reconstruction phase not yet being evaluated. On the causes of the collapse and the responsibilities, a preliminary report should be submitted by June.

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