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Lithium fires on the increase: what are the consequences for policyholders?
Despite the exponential growth in the number of fires resulting from this, regulations and contractual insurance practices have not (yet) adapted to the situation. In France, storage of this material is not subject to specific safety standards. Nor are there any “lithium” exclusions in insurance policies. In the event of a claim, this inadequacy often creates difficulties for insurance companies in covering the costs. The arguments sometimes put forward by insurers to refuse cover are therefore not directly related to the presence of lithium, but the latter is the indirect cause of many disputes between insurers and policyholders.
We would therefore draw the attention of insured companies to this point, in order to try to prevent it as much as possible, and, in the event of a claim, to obtain the highest possible cover from their insurers.