As a result of climate change, the growing number of natural disasters that occur at intervals of increasingly close a heavy bills. Last dated example, the storm Kyrill who had struck in mid-January last northern Europe, will cost between 5 and 7 billion euros according to Munich Re, the world's second largest reinsurance.

Initially estimated at one billion euro, the Federation of German insurers recently doubled its estimate of the cost of damage across the Rhine by the passage of the storm "Kyrill, now estimated at around two billion euros. What make Germany the country worst hit by the weather.

The accelerated pace of natural disasters strike the budget insurance companies. Thus, the reinsurer Scor french estimated between 25 and 30 million euros the negative impact on its accounts before tax Kyrill of the storm. "The damage caused by Kyrill are characterized by a large number of small-scale disasters that have affected mainly by private insurance and commercial risks," according to the group. For its part, Munich Re provides that this storm will have a negative impact of 600 million euros before taxes to the maximum on its accounts.

Thus, it is not inconceivable that rates are rising in Germany and that the contract terms are reinforced, especially since the institute hazard modeling EQECAT, based in California believed that a storm of such violence Statistical represents a risk likely to be repeated every seven to ten years in Europe. Across the Atlantic, some major insurance companies such as American State Farm and Allstate have decided to no longer accept new fonts for several areas of the Atlantic coast because of fears of seeing the devastating cyclone.

This echoes the words of the chairman of great British insurance group Lloyd's, which last month posted its very strong concerns about new weather-related disasters. Peter Levene called on governments and businesses to act without delay to reduce the risks associated with climate change, since according to him, "The insurance industry today is facing the risk of a mega-disaster 100 billion, twice more serious than Katrina "It must be said that Hurricane Katrina s'été which hit New Orleans in August 2005 had cost six billion dollars to the British group