Chapter V: Insurance against natural disasters.

Articles in this section · 8

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Article L125-1-1

French Insurance CodeIn force
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Updated 8 Nov 2023

I.-The National Advisory Commission on Natural Disasters is responsible for issuing an annual opinion on the relevance of the criteria used to determine recognition of the state of natural disaster, within the meaning of article L. 125-1, and on the effective conditions for compensating disaster victims. This opinion is given in particular on the basis of an annual report produced by the interministerial commission for the recognition of the state of natural disaster mentioned in II of this article and which includes a summary of the opinions issued by the latter as well as a statement of the benchmarks used to assess the abnormal intensity of the natural agent, within the meaning of the third paragraph of article L. 125-1. The opinion also reviews the terms and conditions under which experts involved in the assessment of damage caused by natural disasters are certified and, if necessary, proposes changes. The members of the National Advisory Commission on Natural Disasters include six local representatives and representatives of disaster victims' associations. It may hear any person it deems useful for its work. The minutes of its debates are made public under conditions laid down by decree. The tasks, composition, organisation and operation of the National Consultative Commission for Natural Disasters are specified by decree.

II.-The Interministerial Commission for the Recognition of Natural Disaster Status is a technical commission responsible for issuing an opinion on applications for recognition of natural disaster status submitted to it by the ministers concerned, on the basis of expert reports. The organisation, operation and procedures for communicating the opinions of the Interministerial Commission are specified by decree.

III - The annual opinion issued by the Commission referred to in I and the annual report drawn up by the Commission referred to in II are forwarded each year to Parliament and to the Conseil d'orientation pour la prévention des risques naturels majeurs referred to in article L. 565-3 of the Environment Code.

Mariela Petrova

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Working with a corporate lawyer in France — Q&A

Any time a strategic decision changes how the company is owned, governed or contractually bound — incorporation, fundraising, M&A, restructuring, shareholder agreements, or major commercial contracts. Earlier engagement always costs less than later remediation.

A notary (notaire) is a public officer who authenticates specific deeds (mainly real-estate transfers and certain family-law acts). A corporate lawyer (avocat) advises on strategy, negotiates and drafts company documents, and represents you in disputes. The two roles complement rather than overlap.

Yes — most of our clients are foreign suppliers, investors or holding entities. We bridge the gap between French law and your home jurisdiction's expectations and deliver everything bilingually.

The SAS (Société par Actions Simplifiée) is the default choice for most international structures: flexible governance, single shareholder allowed, no minimum capital, and works cleanly with foreign holding entities. We assess SARL, SA, SCI on the merits when the situation calls for it.

Yes — communications with a French avocat are protected by the secret professionnel (Article 66-5 of the Law of 31 December 1971). This protection is broader than the common-law attorney-client privilege and applies to written and oral exchanges.

We work on fixed fees for clearly scoped engagements (incorporation, contract drafting, audits) and on monthly retainers for ongoing advisory. Hourly billing is the exception, not the default. You always know the cost before work starts.

Typical timeline is 2–3 weeks from KYC kick-off to RCS registration, assuming standard documentation. Holding-company structures, foreign-shareholder identification or in-kind contributions can extend this — we flag the gating items at the first meeting.

Absolutely. We routinely coordinate with your in-house counsel, expert-comptable or notaire — pragmatic collaboration is the norm, not the exception. We send them everything they need to do their part without duplicating work.

Mariela Petrova

Mariela Petrova

Avocate au Barreau de Paris

Toque #C2396

15+ Years In Corporate Practice

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Communications protected by professional secrecy — secret professionnel de l'avocat, Article 66-5 of the Law of 31 December 1971.

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