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Home insurance claims in France · in English

Your French home insurance claim, organised in English.

Send us your photos, receipts and insurer letters. We build a tidy claim file, keep track of the deadlines and draft the French letters for you to approve and send.

Join the waitlistJoin the pilot – €49

The pilot is coming soon. This page takes no payment.

Admin only. We organise the file and draft the letters. We never tell you what your policy covers or how much you may receive, and we do not deal with your insurer for you.

Sample file

Not a real claim

Bilingual claim file

English for you. French ready for you to approve and send.

Room
Kitchen, ground floor
Type
Dégât des eaux — escape of water
Photos
12, filed room by room
Receipts
4 on file. No figure for a payout.
Letter
French draft, English beside it
Next date
Reporting time on your policy

Status: waiting for you to read it and send it yourself.

An illustration of a sample bilingual claim file, with a photo inventory, receipts and a French letter waiting for the policyholder to approve. It is not a real claim and it does not estimate a payment.

The gap

Buying direct often means no French claim help.

A leak, a storm, a break-in? We'll help you keep your claim in order.

Many English-speaking homeowners in France buy from a bank, an online insurer, or the insurer direct. The premium is clear. Who sits with you when the letters arrive is less clear.

A broker — a courtier — or an agent sometimes does that work. They know the forms, they chase, they come to the meeting. Buy direct, and that seat is often empty. The letters still arrive in formal French. The deadlines still run. The insurer's expert still visits, and the visit is still in French.

A leak is usually a dégât des eaux, an escape-of-water claim. A storm the state declares is a catastrophe naturelle. The vocabulary is French either way. ClaimPont is the admin for that gap: the file, the photo inventory, the dates, and the letters you approve and send.

How it works

Ready for the expert's visit, in English and in French.

You end up with a bilingual claim file, a photo inventory, a deadline tracker, and French template letters you approve and send.

  1. 01

    Send us what you have

    Forward photos, receipts, quotes and letters from your insurer by email.

  2. 02

    We build your claim file

    A room-by-room photo inventory and damage list, a record of what you've spent, a log of calls and emails, and a board of key dates.

  3. 03

    You stay in charge

    We draft French letters and emails; you read them, approve them and send them yourself. We also prepare a bilingual pack for the insurer's expert.

What we do

  • Organise your documents and photos
  • Keep track of the deadlines that apply to your claim
  • Translate and summarise letters from your insurer
  • Draft French letters and emails for you to send
  • Prepare an English/French pack for the expert's visit

What we don't do

  • We don't tell you what your policy covers
  • We don't estimate what you'll be paid
  • We don't negotiate with your insurer or speak for you

A pointer, if you need more

For questions about cover, or a disagreement with your insurer, we can point you to independent professionals: brokers, experts d'assuré who act for policyholders, or lawyers. An expert d'assuré is an assessor you instruct. They act for you, not for the insurer. You choose whether to contact them. ClaimPont does not speak for you, and does not advise you on cover or on an amount.

Deadline tracker · the dates that usually matter

Five working days, two for theft, and thirty after the order.

French law sets a minimum of 5 working days for most claims and 2 working days for theft, and your contract may allow longer. For a natural disaster (catastrophe naturelle) it is 30 days after the official order is published. Check your own policy, and tell your insurer as soon as you can.

5

working days

The shortest reporting time a contract may set for most claims. Yours may allow longer.

2

working days

The shortest reporting time a contract may set for theft.

30

days

For a catastrophe naturelle, counted from publication of the arrêté — the official order in the Journal officiel.

An arrêté is the official order. For a natural disaster it is published in the Journal officiel, the French gazette, and the 30 days run from that publication. These figures are the legal minimums in broad terms. They are not advice that your own claim is on time. ClaimPont keeps the dates; your policy and your insurer decide what they mean for you.

A Var flood

An English couple in the Var.

An illustrative example based on a real Var flood. Details have been changed.

An English couple lived in a single-storey bungalow in the Var. In a Var flood, the water rose to the roof. Everything they owned was destroyed, and they were lucky to get out alive.

The claim took years. The paperwork was a long struggle: letters in French, a list of everything lost, and dates to keep track of.

A well-organised file helps with that part. It keeps the letters, the list and the dates in one place, so you always know what has been sent.

What the admin would have been

  • A bilingual claim file, French with an English copy beside it.
  • A room-by-room inventory made from photos and notes.
  • A deadline tracker, from the declaration through to the dates in the contract.
  • French template letters for the couple to read, approve and send themselves.
  • A pointer, if they asked, to an independent expert d'assuré. They would have chosen whether to call.
Public sources for the flood and the declaration

The storms of 15–16 June 2010 in the Var, and the declaration of a catastrophe naturelle, are public record. The couple's story above is not. It is an illustrative example based on a real Var flood, with details changed.

Who's behind it

A small team. No names, no portraits.

A small team that includes an experienced insurance underwriter and an insurance lawyer. We're bilingual and have lived in France for decades. We know how a French claim file is put together because we've lived through them ourselves.

Pilot · coming soon

€49 for one claim, when the pilot opens

€49 for one claim during our pilot. That covers your claim file, the expert pack and draft letters for you to approve and send. The number of letters included will be fixed before any place is offered. Pilot places are limited to a handful of homeowners while we test the service.

No payment is taken on this page. There is nothing to buy today, and no card details anywhere on ClaimPont.

Coming soon – join the pilot

Would a later price still interest you?

The pilot we have in mind is €49, and it is not open for payment. If a place later cost €79 or €99, tell us which you would still want to hear about.

Clicking records that choice — the amount and the time — on our server. We attach your email only if you have typed it below and ticked consent. No third-party tracker is involved.

Waitlist

Hear when a pilot place opens

Your email is enough. The questions are optional, and they stay on our server. We don't pass them to an insurer.

What should we write to you about?

Three quick questions

Optional. Skip anything you don't want to answer.

Who insures your French home?
Have you ever made a home insurance claim in France?
What would feel fair to pay for help with one claim?
If you have claimed, how hard was it? If you have not, how confident would you feel?

1 is very hard, or not confident. 5 is easy, or very confident.

What was, or would be, the hardest part?

Privacy noticeFor legal reviewNo advertising cookies. No third-party analytics.

Questions

Do I need to speak French?

No. You write to us in English; we prepare everything in French and English so you can see exactly what is being sent.

Will you deal with my insurer for me?

No. You stay in control and send everything yourself. If you'd like someone to act for you, we can point you to an independent professional.

Can you tell me if I'm covered?

No. Only your insurer, a broker or a lawyer can advise on that. We help you get your paperwork in order so those conversations go smoothly.

How quickly do I need to report a claim?

French law sets a minimum of 5 working days for most claims and 2 working days for theft, and your contract may allow longer. For a natural disaster (catastrophe naturelle) it is 30 days after the official order is published. Check your own policy, and tell your insurer as soon as you can.

What happens to my documents?

We use them only to build your claim file, and we delete them when you ask or when your claim is closed.

For legal reviewRetention period and hosting to be confirmed.

This waitlist page does not ask you to upload photos, policies or letters. A claim file would be a later step, under a notice that is not written yet.