The property insurance loss adjuster market in France

In home insurance, water damage remains the most frequently claimed cover in France, with 39% of recorded claims in 2025 according to France Assureurs. Fire has nevertheless become the leading compensation item, at 28.7% of claims cost, ahead of water damage (25.9%) and storm, hail and snow cover (16.2%). The average cost exceeds €14,000 for a fire and reaches €6,130 for a natural disaster, files where on-site assessment remains the rule.

According to France Assureurs, climate events cost insurers dearly in France in 2025, without a single major catastrophe. Hail came first in damage, followed by drought, which cracks houses through clay shrink-swell. These diffuse episodes create spikes in claims that adjusting firms must absorb, often with reinforcements from other regions.

Motor assessment rests on a fleet of 45.9 million insured light vehicles in France in 2025, for €30.2 billion in premiums, according to France Assureurs cited by the Journal de l’Automobile. Claims frequency is down 2.6%, but their cost is rising: a third-party property damage claim costs €2,154 on average, up 7.5%. Parts, paintwork and recalibration of electronic equipment make every assessor’s estimate more expensive.

The French loss adjusting market combines large groups and independent firms. Saretec, a claims adjusting group based in Île-de-France, generates €300 million in revenue according to CFNEWS (October 2025) and is expanding in Spain and Switzerland. Texa, controlled by Apax, is buying construction adjusting firms. In 2026, Etica, Charles Taylor Adjusting and Apex joined the Fedea (the French federation of insurance adjusters).

Remote assessment, by photo or video call, is winning over simple claims in France and raises the question of the value of images. The Toulouse start-up Certificall, which certifies photos and videos through geolocation and qualified timestamping, claims more than 3 million certified photos and 200 customers, according to L’Argus de l’assurance (January 2026). Adjusters thus reserve site visits for complex files and equip themselves against document fraud.

A PDF report in French, 2026 edition, organised in six chapters: the profession and scope of the market, market size and dynamics, insurer and policyholder demand, supply and players, the regulatory and ethical framework, and the outlook to 2028.

France Assureurs reviews, the texts of the Code des assurances (French Insurance Code), the business press and insurance trade press articles from the IndexPresse database. Every figure comes with its source and period.

Yes. The study is updated before it is sent, within 48 hours at most: it includes the latest published data, and every figure comes with its source and period.

Executives of adjusting companies and firms, insurers, mutual insurers and brokers who handle claims, repairers and repair-in-kind companies, insurance software vendors, and investors and bankers who need to understand the property insurance loss adjuster market in France.

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