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1. Blason du revers
réalisée en présence du Bailleur
Jul 14, 2017 12:12
6 yrs ago
7 viewers *
French term

catastrophes naturelles et extensions

French to English Law/Patents Real Estate Commercial lease
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.
Proposed translations (English)
4 +2 natural disasters and extensions
4 +1 natural disasters and their consequences
4 natural disasters and related losses

Discussion

writeaway Jul 14, 2017:
@mrrafe Does there actually have to be a reason for a shooting in the US? In any case, the riots/lootings/shootings came in the aftermath of Katrina.
mrrafe Jul 14, 2017:
writeaway Riots (with shootings) were consequences of Hurricane Katrina in New Orleans.
mrrafe Jul 14, 2017:
Phil - dommages I was hoping this wouldn't come up but, to prevent further confusion, legal US EN consequential damages isn't the same thing as consequences or resultant losses in ordinary language. I haven't researched whether dommages indirects means consequential damages but, if so, I would avoid it.
ph-b (X) Jul 14, 2017:
Parsing The parsing is wrong. The policy wording should be read as follows: The policyholder shall insure (whatever) against certains risks (including cat. nat.) and allied risks (see philgoddard's answer), including this and that.

<p>- Le Preneur fera assurer auprès de compagnies notoirement solvables, pour des sommes suffisantes,
- les agencements (+ …)
- contre les risques d'incendie, (de)... (et de) catastrophes naturelles
- et [contre les] extensions [de ces risques],
- y compris [parmi ces extensions] émeutes, +…malveillance et sabotage ainsi que le recours des voisins et des tiers.
writeaway Jul 14, 2017:
I agree that it's an insurance question but asker has to agree too before anyone can change it
ph-b (X) Jul 14, 2017:
Translation field I think this should be listed as an 'Insurance' question, rather than 'Real Estate' (even though this is what the source text is about).
writeaway Jul 14, 2017:
Agree with Wendy How can a riot be the consequence or extension of a natural disaster? It's more likely to occur in the aftermath.
philgoddard Jul 14, 2017:
mrrafe You've actually used "extensions" in your explanation, and that is the answer in my opinion. Consequential losses are pertes/dommages indirects.
mrrafe Jul 14, 2017:
In the European and Turkish insurance markets, extension often refers to what would be called a rider in the US, except that in Europe extensions for natural disasters are mandated as part of statutory schemes prescribing the terms of a basic insurance policy.The drafter might have slipped this word into the ST incongruously among the list of possible mishaps. Doesn't make sense, but possible. Otherwise I would agree with Wendy - consequential losses or whatever.
writeaway Jul 14, 2017:
Get the meaning from what follows the y compris? catastrophes naturelles et extensions, y compris ...
Wendy Streitparth Jul 14, 2017:
their aftermath?

Proposed translations

+2
1 hr
Selected

natural disasters and extensions

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

Peer comment(s):
agree ph-b (X) : 'Allied risks' is the correct answer to the question (extensions).
37 mins
agree gayd (X)
3 days 6 hrs
Something went wrong...
4 KudoZ points awarded for this answer.
+1
34 mins

natural disasters and their consequences

suggestion
Note from asker:
this must be right, many thanks
Peer comment(s):
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
Something went wrong...
5 hrs

natural disasters and related losses

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

Also, "natural disasters and their effects."
Something went wrong...
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