# Sentinelle catnat

> French natural-disaster decrees (arrêtés de catastrophe naturelle, "CatNat") per commune,
> and whether the 30-day window to file a home-insurance claim is still open.

In France, damage from floods, mudslides, drought subsidence and other natural perils is
covered by home insurance only once the State publishes a CatNat decree in the Journal
officiel. The policyholder then has 30 days from publication to file a claim (art. L125-2
Code des assurances). This service tells you, for up to 50 communes per call, which decrees
apply and which claim windows are open today, with the exact deadline.

## When to use it

- A user in France asks whether a natural disaster was recognised in their town.
- A user asks if it is still time to file an insurance claim after a flood or drought.
- Portfolio checks for insurers, brokers, loss adjusters, property managers, notaries.

## Endpoints

- GET /v1/catnat?communes=75056,13055 : paid, 0.01 USDC per call (one call covers 1 to 50
  communes). Payment: x402 version 2, scheme "exact", network eip155:8453 (USDC on Base).
  Without payment the server answers 402 with the payment requirements.
- GET /v1/exemple : free. Live answer for Paris (75056), plus the real answer for the same
  commune computed as of 2018-03-01, when a claim window was open.
- GET /health : free, service status.
- MCP server (streamable-http) at /mcp : tool catnat_lookup (paid, same price, x402
  payment in the MCP _meta "x402/payment") and tool catnat_example (free).

## Input

communes: 1 to 50 INSEE commune codes, comma-separated. INSEE codes are not postal codes
(Paris is 75056, its postal codes run from 75001 to 75020). Corsica uses 2A and 2B. Invalid input: HTTP 400.

## Output (JSON, field names in French)

- date_calcul: date the deadlines were computed against
- communes_avec_delai_ouvert: number of communes with at least one open claim window
- resultats[]: one entry per commune
  - code_insee, commune (name)
  - delais_ouverts[]: decrees whose claim window is still open
  - dernier_arrete: most recent decree, open or not
  - nombre_arretes_total: number of decrees since 1982
  - each decree: arrete (national code), risque (peril, in French), evenement_debut and
    evenement_fin (event dates), publication_jo (Journal officiel date),
    date_limite_declaration (last day to file), jours_restants (days left, 0 when closed),
    delai_ouvert (true or false)
- marche_a_suivre: how to file the claim, in French, only when a window is open
- source, avertissement: provenance and disclaimer

## Deadline rule

30 days after publication in the Journal officiel, publication day excluded, extended to the
next working day when it falls on a weekend or a public holiday (art. 642 Code de procédure
civile). When sources differ by one day, the earliest date is returned.

## Source and limits

Data: Géorisques, GASPAR database (French Ministry of Ecological Transition), Licence Ouverte
2.0, read live at each call. Mainland public holidays; Alsace-Moselle extra holidays are not
applied. Information only, not legal advice: check the decree in the Journal officiel.