The gradual withdrawal of insurers from flood risks
For several years now, climate change has been shaking up insurers' business models. In France, more and more claims are being made as a result of natural disasters, particularly floods. The result: insurance companies are reducing or withdrawing their cover in high-risk areasparticularly those occupied by campsites.
According to the Fédération Française de l'Assurance (FFA), damage caused by extreme weather events cost the French economy more than 2.5 billion euros in 2023This figure is constantly rising. Campsites, often located by the sea, near rivers or in valleys, are particularly hard hit. And for insurers, this represents a too costly a risk.
"Flood camping insurance: a market that has become problematic
The keyword "camping flood insurance is the focus of current concerns: in some regions, it is it has become almost impossible to insure a campsite against flooding. Even owners of mobile homes in PRLs (Parcs Résidentiels de Loisirs) or RMLs (Résidences Mobiles de Loisirs) are encountering more and more problems. refusal or exclusion of cover.
Main reasons for the insurers' withdrawal :
- Repeat claims in the same areas (Vendée, Var, Landes, Hérault).
- Increase in compensation Damage to several dozen mobile homes at a time can be very costly.
- PPRI mapping Flood Risk Prevention Plans become stricter.
- Demand for prevention systems technical measures: insurers make their cover conditional on the existence of technical measures.
Consequences for campsite managers:
- From soaring insurance premiumssometimes multiplied by 3.
- A very high deductibleor even a exclusion of natural events.
- Le outright refusal to provide light structures in certain municipalities classified as at risk.
- A obligation to rehouse holidaymakers in the event of flooding, without coverage of costs.
Mobile home owners on the front line
A mobile home is considered by insurance companies to be a "mobile home". mobile structureIt is therefore more vulnerable than a solid building. During a flood :
- The floor was quickly submerged.
- Moisture damages wood and composite structures.
- The electricity, gas and sewerage networks have been seriously affected.
- Relocation can take weeks.
Result: a dry loss for owners, but also for campsites that can no longer rent out or accommodate their customers.
Flood camping insurance: what practical solutions are there?
The conclusion is clear: insurers no longer want to pay for unprotected sites. So the solution cannot come from renegotiating contracts alone. We need act upstream with physical and technical protection systems.
HabiLev' technology: a response to insurers' requirements
HabiLev' offers a patentedautomatic lifting of mobile homes. This system makes it possible to lift the structure up to 2 metres off the ground as soon as rising water levels are detected.
Thanks to powerful hydraulic cylindersinstalled under the mobile home, and autonomous sensors. without human intervention. It protects homes up to 6 tonneseven in the face of winds of 160 km/hto flash floodsand high voltage.
"This system is recognised by some insurers as a major risk reduction criterion. It is considered a reliable technical barrier." - Independent professional insurance broker
The direct benefits of a HabiLev' system for insurance :
- Reinforces the legitimacy of your application for cover.
- Can reduce the premium or improve general conditions.
- Allows you toobtain a guarantee that other campsites no longer have.
- Serves as proof of active prevention when making a claim.
Customer testimonials
Strategic leverage to meet regulatory requirements
Local authorities, the DDT (Directions Départementales des Territoires) and local authorities are increasingly demanding that farmers equip themselves with resilient systems. Town planning schemes now include criteria such as :
- La lifting capacity of structures.
- La rapid safety response.
- L'no need for heavy civil engineering.
The HabiLev' system meets these criteria with :
- A simple, reversible installation.
- A compatible with all RML models.
- A certified resistance by testing in a real flood zone.
A forward-looking solution for more resilient tourism
At a time when climate change is now recognised as a the main threat in the medium term for the tourism sector, investing in an active protection system is a strategic move.
Insurers are increasingly turning to proactive websiteswith robust technical resources, to continue to offer guarantees. In this context, HabiLev' becomes a major asset.
HabiLev': a recognised solution, made in France
- Winner of the Sett d'Or Innovation Trophy 2024.
- Winner of the Alfred Sauvy Prize for its regional impact.
- Manufacture in Perpignanwith network of approved installers.
Integrate this strategy into your communication and insurance processes
If you are looking for a contract or renewal, you can :
- Mention the presence of the HabiLev' system in your files.
- Request a certificate of technical compliance.
- Integrate system specifications into assurance documents.
A protected campsite is a insurable camping. It is also a a more attractive campsite for holidaymakers and partners.
Need an audit, demonstration or support for your insurance policy?
📱 Telephone : 04 68 82 84 65
📧 Email : contact@habilev.fr
📍 Address HabiLev', 819 avenue de l'Industrie, Polygone Nord, 66000 Perpignan
🌐 Website : www.habilev.fr
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