Expert panel — ordinance 95-07, law 03-12 CAT-NAT.
1. Legal framework
Ord. 95-07 + law 03-12.
Methodology: official sources.
2. Decennial insurance
Mandatory 10-year construction guarantee.
3. MRH (Multiperil)
Daily protection homeowners.
4. CAT-NAT (natural disasters)
Mandatory since 2003.
5. Mortgage insurance
Bank requirement.
6. Six practical cases
Various claim scenarios.
7. Recommendations
Best practices + pitfalls.
8. Outlook + FAQ + sources
16 comprehensive Q&As.
FAQ
MRH mandatory?
No, but recommended.
Premium?
2-15k DA/year.
Decennial cost?
1-3% construction.
Duration?
10 years.
CAT-NAT franchise?
10% min 50k DA.
MRH deadline?
5 days.
Refusal?
CNA mediator then court.
Companies?
SAA, CAAR, CAAT, Trust.
Tenant insurance?
Recommended.
Borrower premium?
0.3-0.6% capital.