Chapter II: Special provisions applicable to non-river insurance in the départements of Bas-Rhin, Haut-Rhin and Moselle

The period provided for in the first paragraph of Article L. 114-1 is extended to five years in the case of life insurance.

The suspension of the insurance contract provided for in article L. 121-11 will take effect from midnight on the fifth day following the day of the alienation.

Notwithstanding the provisions of article L. 122-4 and unless expressly stipulated otherwise, the insurer is obliged to compensate, in addition to damage resulting from the action of fire, explosion or lightning, damage which is the inevitable consequence of fire or is caused by its extinction, the demolition and clearance of premises, theft and disappearance of insured objects.

In the case of insurance of immovable property, a mortgagee who has notified the insurer of his mortgage may not rely on any fact whatsoever having the effect of terminating the guarantee or reducing the cover of the risk until one month after he has been notified by the insurer or has become aware of it by some other means. The preceding paragraph does not apply where the insurance is…

If the contract requires the reconstruction of the damaged building, the payment of the indemnity will not be enforceable against the mortgagee until one month after the insurer has notified the mortgagee that the payment will be made without it being certain that the indemnity will be used for reconstruction. Until the expiry of this period, the mortgagee may oppose payment of the insurance indemnity.

If the domicile of the mortgagee changes, notification by registered letter with acknowledgement of receipt is validly made by the insurer to the last known domicile of the mortgagee.

The provisions of articles L. 192-3 to L. 192-5 and those of articles 1127 and 1128 of the local civil code also apply to preferential creditors.