Is your home at risk from ground movement?
Understand your financial risk from inadequate insurance for property damage caused by ground movement
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French national territory at medium or high risk of ground movement
10,4 M
Homes potentially affected (representing 54% of all single-family homes)
50
Instances of property damage caused by ground movement in the last 9 years which have not received compensation
Many homes in France are at risk of ground movement caused by clay shrink swell
Clay soil consistency can easily change depending on the soil’s water content.
When it rains, clay soils absorb water and expand like a sponge.
When it is dry, the water contained in the clay soil evaporates and the clay soil shrinks.
This can lead to ground movement which causes property damage to your home.
A tool to help homeowners
Identify if your local area is at risk of ground movement from clay shrink swell
Understand the financial risks from property damage caused by ground movement
Learn about steps you can take to minimise the financial risk
The need to be aware of the financial risks
Many homeowners are not aware of the financial risk from inadequate insurance cover for property damage caused by ground movement.
Ground movement can cause property damage ranging from cracks in your walls to serious structural damage which can significantly impact on the value of your home.
As climate change intensifies, leading to increasing numbers of droughts and heavy rain episodes, the likelihood of clay shrink swell events occurring is projected to increase.
Homeowners cannot assume that their property insurance will always cover property damage caused by clay shrink swell.
Learn more about the risks and the insurance positionWhy this tool?
Climate change is expected to increase the likelihood of clay shrink swell events occurring
Many people are not aware of their financial risks from inadequate insurance cover
We want to educate and empower homeowners to take steps to protect themselves
Piloting Innovative Insurance Solutions for Adaptation (PIISA)
This tool has been developed as part of the PIISA project which is a 3-year research and innovation project which brings together 12 organisations from 5 European countries, and will co-develop climate resilient insurance portfolios , as well as develop solutions for sharing losses and climate risk data.