Article L122-4 of the French Insurance Code

The insurer is liable for the loss or disappearance of insured items during the fire, unless it can prove that the loss or disappearance was caused by theft.

Original in French 🇫🇷

Article L122-4

L’assureur répond de la perte ou de la disparition des objets assurés survenue pendant l’incendie, à moins qu’il ne prouve que cette perte ou cette disparition est provenue d’un vol.