Rabat – After days of intense rainfall that left streets underwater and homes damaged, Morocco has officially declared a state of disaster under Law 110-14, the legislation that governs compensation for major disasters.
The decision concerns several communes in Kenitra Province, Larache Province, Sidi Kacem Province, and Sidi Slimane Province, areas that witnessed significant material losses following the recent floods.
In the wake of the announcement, the Moroccan Federation of Insurance (FMA) confirmed that the insurance protocol concerning this level of disasters has entered into force.
The move allows insured victims whose contracts include coverage for catastrophic events to seek compensation for the damage they sustained.
Eligibility depends on two main conditions. Firstly, the affected individuals or businesses must be located in one of the communes that will be officially listed in an administrative decree expected in the coming days.
Second of all, they must also hold an insurance policy that includes protection against catastrophic events.
Compensation may cover damage to property under home multi-risk, industrial multi-risk, or commercial multi-risk insurance contracts.
It also extends to automobile insurance policies, which can provide compensation for vehicle damage as well as bodily injury suffered by the insured owner, their spouse, or their children, including in fatal cases.
Civil liability contracts, particularly operational liability insurance, may allow compensation for bodily injury caused to third parties present on insured premises.
For many families and small business owners, the declaration offers a path toward financial relief after sudden and often devastating losses.
Some residents returned to homes marked by waterlines on the walls and ruined furniture, while shopkeepers counted stock that could no longer be sold. The insurance mechanism now activated seeks to address part of that burden within a defined legal framework.
The FMA has called on policyholders to contact their insurance intermediaries as soon as possible to verify their rights and submit claims within the required deadlines. Insurance companies will register eligible victims directly in the national disaster registry, a central instrument in processing files linked to catastrophic events.
Through this step, public authorities and the insurance sector aim to provide an organized response to the floods’ financial consequences.
While reconstruction will take time, the compensation protocol represents a structured step toward restoring stability in the affected provinces.
