Elementary damage insurance: France's model ensures discussion in Germany
Elementary damage insurance: France's model ensures discussion in Germany
The challenge of elementary damage insurance in Saarland
Recently, the topics of natural disasters and insurance protection are increasingly raising awareness. In particular, the flood in Saarland has given numerous homeowners with major challenges. This situation raises the question of how well our current insurance system is prepared for such events.
The existing insurance system under the magnifying glass
In many European countries, such as France, there is a model for elementary damage compulsory insurance. All homeowners pay a small insurance premium that covers the damage in the event of a natural disaster. This model places less emphasis on the individual risk of a location or the type of disaster. Instead, a basic solidarity insurance is created that supports all those affected.
Why the German model is criticized
In Germany, on the other hand, the introduction of such a model is controversial. Voices in particular from the FDP-led Ministry of Justice, the insurance industry and the interest representatives of the real estate owners express concerns. These concerns are in the context of a large number of arguments ranging from the creation of an unjust load distribution to questions of competitiveness.
The relevance for the affected community
The suitability of the current insurance system has a direct impact on the community concerned. After the flood in Saarland, many homeowners are desperate because they are faced with high damage and are often not sufficiently insured. This problem illustrates the need for a robust model that offers wide insurance protection and can cushion similar incidents in the future.
conclusion: rethinking insurance coverage is necessary
In view of the increasing frequency of extreme weather experiences, it is important to question the existing insurance system. The comparison to the French model shows that there could be alternative approaches that make it possible to find a more solidarity and fairer solution for all owners. The dialogue between politics, insurance industry and the citizens concerned must be intensified in order to develop an effective system that does justice to everyone.- Nag