🌧️ Home insurance claim letter

Report the incident (sinistre) to your insurer as soon as possible, by phone or online, then confirm it by registered post with acknowledgment of receipt (LRAR). Describe the circumstances and the damage precisely, keep the damaged items, and gather photos and invoices for the loss adjuster. In case of theft, file a police report at the commissariat or gendarmerie and enclose the receipt with your claim.

💡 Good to know: Article L113-2 of the French Insurance Code provides that your policy sets the deadline for declaring an incident, which cannot be shorter than 5 working days from when you become aware of it, or 2 working days in case of theft: your policy may allow longer, so check it, but declare without waiting. Special case: for an incident officially recognised as a natural disaster (catastrophe naturelle), you have 30 days from the publication of the recognition order in the Journal officiel.

🇫🇷 Category: Banking & insurance · The letter is generated in formal French — exactly what a French recipient expects.

📝 Fill in your details

Your full name *

Your street address *

Your postcode and city *

Email or phone (optional)

Your insurer's name *

Recipient's street address

Recipient's postcode and city

Insurance policy number *

Date of the incident *

Type of incident *

Description of the incident and circumstances *

Estimated damage (optional)

City where you sign

Does this letter need to go by registered post? Our free guide to sending it yourself →

📌 The letter below is generated in French — that's what French organisations expect. The form tells you exactly what to put in each field.

[Vos nom et prénom]

[Destinataire]

Objet : Déclaration de sinistre — [nature du sinistre] — contrat n° [numéro de contrat]

Lettre recommandée avec accusé de réception

Madame, Monsieur, Titulaire du contrat d'assurance habitation n° [numéro de contrat], je vous déclare par la présente un sinistre de type « [nature du sinistre] » survenu le [date du sinistre] à mon domicile. Circonstances et description des dommages : [décrivez précisément les circonstances du sinistre et les dommages constatés] Cette déclaration est effectuée dans le délai prévu par l'article L113-2 du Code des assurances. Je tiens à votre disposition photographies, factures et tout justificatif utile. Je vous remercie de m'indiquer la suite donnée à cette déclaration, notamment le passage éventuel d'un expert, et de me confirmer par écrit l'ouverture du dossier de sinistre. Je vous prie d'agréer, Madame, Monsieur, l'expression de mes salutations distinguées.

[Signature]