Belgium Plans Legal Framework for Flood Damage Claims

Belgian Minister David Clarinval is proposing a legal framework to clarify how insurance companies and regional governments will share responsibility for compensating victims of devastating climate events. Five years after deadly floods in Wallonia exposed gaps in the existing system, Clarinval aims to create a three-tiered intervention system. This system would first utilize basic insurance coverage, then supplemental insurance funded by insurers, and finally regional government intervention as a last resort.

The proposal seeks to mobilize up to 4.5 billion euros through a combination of insurance sector contributions and regional funding, doubling the financial capacity available during the 2021 floods which caused 2.3 billion euros in damages. Currently, the system lacks clear definitions of public authority responsibilities when insurance limits are exceeded and varies between regions.

Clarinval has transmitted the proposal to the regions and expects to finalize legislation by July 2027. The framework will also establish an interfederal committee to oversee implementation and ensure collaboration between all stakeholders.