catastrophes naturelles et extensions

English translation: natural disasters and extensions

12:12 Jul 14, 2017
French to English translations [PRO]
Law/Patents - Real Estate / Commercial lease
French term or phrase: catastrophes naturelles et extensions
From the insurance obligation of a commercial lease (France). It's "extensions" that is the problem.

"Natural disasters and ...."


Le Preneur fera assurer auprès de compagnies notoirement solvables, pour des sommes suffisantes, les agencements et embellissements, même immeubles par destination, son mobilier, son matériel et ses marchandises contre les risques d'incendie, explosion, frais de déblais, démolition, enlèvement, transport à la décharge, étaiements, échafaudage rendus nécessaires pour la remise en état des lieux, foudre, ouragan, tempête, trombes, tornades, cyclones, dommages électriques, chute et/ou chocs d'appareils de navigation aérienne, parties d'appareils ou objets tombant de ceux-ci, chocs de véhicules terrestres, attentat, honoraires d'experts à concurrence du barème de l'Union Professionnelle des Experts, ** catastrophes naturelles et extensions **, y compris émeutes, grèves et dégâts des eaux, bris de glace, y compris les détériorations à la suite de vol, vandalisme, malveillance et sabotage ainsi que le recours des voisins et des tiers.
AllegroTrans
United Kingdom
Local time: 16:21
English translation:natural disasters and extensions
Explanation:
Extension has a specific meaning in insurance, something along the lines of "allied risks not covered by a standard policy". I

"All insurance policies have exclusions for specific causes of loss (also called "perils") that are not covered by the insurance company. An extended coverage endorsement (EC) was a common extension of property insurance beyond coverage for fire and lightning. Extended coverage added insurance against loss by the perils of windstorm, hail, explosion, civil commotion, riot and riot attending a strike, aircraft damage, vehicle damage, and smoke damage."
Selected response from:

philgoddard
United States
Grading comment
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +2natural disasters and extensions
philgoddard
4 +1natural disasters and their consequences
Katarina Peters
4natural disasters and related losses
Dareth Pray


Discussion entries: 11





  

Answers


34 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
natural disasters and their consequences


Explanation:
suggestion

Katarina Peters
Canada
Local time: 11:21
Native speaker of: Native in HungarianHungarian, Native in EnglishEnglish
PRO pts in category: 23
Notes to answerer
Asker: this must be right, many thanks


Peer comments on this answer (and responses from the answerer)
agree  Graeme Jones: yes - maybe say 'consequential losses' as mrrafe put - as it wouldn't cover consequences where there was no loss (presumably)?
18 mins
  -> yes, but do disasters leave any other consequences than losses, I wonder...

neutral  mrrafe: Consequences are pretty much defined by insurance law. See CATNAT (effets) at https://fr.wikipedia.org/wiki/Catastrophe_naturelle
36 mins
  -> yes, and they all imply losses...

agree  janthenor: agree
39 mins
  -> thanks, janthenor

neutral  philgoddard: This doesn't make logical sense when you think about it. You're not insuring against natural disasters per se, you're covering their consequences for you. "And their consequences" is redundant.
1 hr

disagree  Jackie Doble: how can strikes be consequences of natural disasters?
1 hr
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1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +2
natural disasters and extensions


Explanation:
Extension has a specific meaning in insurance, something along the lines of "allied risks not covered by a standard policy". I

"All insurance policies have exclusions for specific causes of loss (also called "perils") that are not covered by the insurance company. An extended coverage endorsement (EC) was a common extension of property insurance beyond coverage for fire and lightning. Extended coverage added insurance against loss by the perils of windstorm, hail, explosion, civil commotion, riot and riot attending a strike, aircraft damage, vehicle damage, and smoke damage."


    Reference: http://en.m.wikipedia.org/wiki/Extended_coverage
philgoddard
United States
Native speaker of: English
PRO pts in category: 110

Peer comments on this answer (and responses from the answerer)
agree  ph-b (X): 'Allied risks' is the correct answer to the question (extensions).
37 mins

agree  gayd (X)
3 days 6 hrs
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5 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
natural disasters and related losses


Explanation:
I found this phrase used in statistical analysis context for insurance purposes.

Also, "natural disasters and their effects."

Dareth Pray
United States
Local time: 08:21
Native speaker of: Native in EnglishEnglish
PRO pts in category: 4
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