These images show various sites in Beirut on August 5, the day after the blast, and how they look now, one year on. This building has only been partially repaired.
These images show various sites in Beirut on August 5, the day after the blast, and how they look now, one year on. This building has only been partially repaired.
The damage to this house in Beirut has been partially covered.
The damage to this house in Beirut has been partially covered.
Cars were destroyed next to this church in the blast area.
Cars were destroyed next to this church in the blast area.
Damage near the site of the explosion and how it looks now.
Damage near the site of the explosion and how it looks now.
A restaurant damaged by the explosion has been largely repaired and restored.
A restaurant damaged by the explosion has been largely repaired and restored.
A view of the port on the day of the explosion and how it looks today.
A view of the port on the day of the explosion and how it looks today.
A petrol station and buildings in Al Rmeil area in Beirut.
A petrol station and buildings in Al Rmeil area in Beirut.
The damage to Beirut Souks in the downtown area of the city has been repaired.
The damage to Beirut Souks in the downtown area of the city has been repaired.
The grain silo at Beirut Port the day after the blast and how it looks now.
The grain silo at Beirut Port the day after the blast and how it looks now.
A street in Beirut the day after the blast and how it looks now.
A street in Beirut the day after the blast and how it looks now.
A street in Beirut the day after the blast and how it looks now.
A street in Beirut the day after the blast and how it looks now.

MENA

Lebanon

Beirut blast: stalled investigation leaves victims in compensation limbo

Only $100 million of the estimated $1.1 billion in compensation claims has been paid so far

Elias Sakr
Elias Sakr
Beirut

August 04, 2021

  • English
  • Arabic

Listen to the latest podcast on the Beirut blast here

It has been a year since Marwan Sweidan’s shop in the once-bustling Beirut district of Mar Mikhael was partially destroyed by the shock wave caused by the explosion at Beirut Port.

For months, Mr Sweidan tried, unsuccessfully, to negotiate with his insurance company over a claim of $45,000 for repairs.

“I was offered $2,500 instead as a goodwill gesture but I refused,” Mr Sweidan, one of the thousands of business and property owners who are still awaiting the settlement of their claims as the country marks the first anniversary of the blast, told The National.

Of an estimated $1.1 billion in insured losses, only about $100 million has so far been paid, Mr Assaad Mirza, a board member of Lebanon’s Association of Insurance Companies and the chief executive of Capital Insurance and Reinsurance, told The National.

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Mr Mirza said 16,000 claims are pending the outcome of the official investigation into the blast, which killed at least 190 people and injured thousands across the capital.

It remains unclear what triggered the explosion of the hundreds of tonnes of ammonia nitrate, a flammable fertiliser that was improperly stored at a warehouse in the Beirut port for more than six years.

The ammonia nitrate caught fire on August 4, triggering one of the most powerful non-nuclear explosions in history, causing billions of dollars of damage to at least 9,200 buildings within a three-kilometre radius.

There are many questions over who owned the chemicals, what official body was responsible for them and what caused the blast. The answers to these, many hope, will come with the official investigation.

Should the judge leading the probe rule the blast was the result of an act of war or terrorism, 80 per cent of the insurance claims will not be covered, Mr Mirza said.

Significant discount

That possibility, and a lack of trust in the Lebanese authorities’ quest for the truth, have prompted many to settle claims with insurance companies at a significant discount.

Aline Kamakian, the owner of one of the oldest and most celebrated Armenian cuisine restaurants in Beirut, told The National that she settled for 70 per cent of her claim in local dollars, which show on the bank statement but cannot be transferred overseas or withdrawn as banknotes.

These local dollars are US dollars in a Lebanese bank account which are largely inaccessible. Most lenders have put strict caps on withdrawals or overseas transfers since Lebanon’s worst financial and economic crisis unfolded in late 2019, and there is a shortage of the US currency.

Many are agreeing to significant reductions on the face value of those trapped dollars with middlemen to get hold of physical currency, compounding the reduced value of settlements such as Ms Kamakian's.

Of the $100 million in paid claims, the bulk are insurance policies that specifically cover acts of war and terrorism, Mr Mirza said.

Those whose insurance coverage excludes such acts but had their claims settled have nevertheless agreed to refund the insurance companies should the investigation conclude that the explosion was the result of an act of war or terrorism, an insurance broker told The National.

The broker said these insurance claims were being paid in local dollars, as in the case of Ms Kamakian, thus incurring losses up to 80 per cent of the claimed amount.

Andrew Fusco, president of public insurance adjusters WorldClaim, says his company is helping a dozen Lebanese clients to identify and assess damages, hastening the settlement of claims worth several hundred million dollars.

“There is a ton of obstacles, one being the investigation,” Mr Fusco told The National, referring to clients whose policy excludes acts of war or terrorism.

“Insurers are either doing nothing or they are trying to pay by cheque, a non-legal tender currency, a non-transferable currency. To take less money today in dollars or in Lebanese pounds is not going to help Lebanon recover.”

He said some clients with additional political risk insurance had negotiated a segregation agreement to speed up settlement procedures.

“In the event it becomes a political risk claim, the political risk carrier will step in and pick up the claim from that point forward and reimburse the main carrier.”

Mr Mirza said local insurers are expected to pay clients at least 60 per cent of claims in real dollars once international reinsurers release the payments.

International reinsurers have been holding on to payments pending the official outcome of investigations, acting Economy Minister Raoul Nehme has said, with most arrangements between local insurance bodies and international reinsurers excluding acts of war and terrorism.

Mr Mirza said some reinsurers have offered to release payments but only on the condition that local insurers agree to refund them if the investigation reveals the explosion falls under a policy exclusion.

At what stage is the investigation?

The delay prompted the economy minister to ask the lead investigator in February to release his report on the blast and rule out acts of terrorism and war, to speed up the settlement of insurance claims.

However, the minister later backtracked on his demand under pressure from families of victims who accused him of anticipating the investigation’s outcome in a blatant disregard of their quest for justice.

Mr Nehme said his request was intended only to highlight the importance of issuing an official report once investigations are concluded.

In a memo to the investigating judge, which was filed through the Insurance Control Commission, the insurance regulator that reports to Mr Nehme says the value of compensations exceeded the capital of local insurance entities.

French Foreign Trade Minister Franck Riester, right and the French Ambassador to Lebanon Anne Grillo, visit Beirut's port, devastated in a massive deadly explosion in August last year. AP
French Foreign Trade Minister Franck Riester, right and the French Ambassador to Lebanon Anne Grillo, visit Beirut's port, devastated in a massive deadly explosion in August last year. AP
French Foreign Trade Minister Franck Riester, right and the French Ambassador to Lebanon Anne Grillo, visit Beirut's port, devastated in a massive deadly explosion in August last year. AP
French Foreign Trade Minister Franck Riester, right and the French Ambassador to Lebanon Anne Grillo, visit Beirut's port, devastated in a massive deadly explosion in August last year. AP
French Foreign Trade Minister Franck Riester, right and the French Ambassador to Lebanon Anne Grillo, visit Beirut's port, devastated in a massive deadly explosion in August last year. AP
French Foreign Trade Minister Franck Riester, right and the French Ambassador to Lebanon Anne Grillo, visit Beirut's port, devastated in a massive deadly explosion in August last year. AP
The remains of massive grain silos devastated in a deadly explosion at the Port of Beirut in August last year. AP
The remains of massive grain silos devastated in a deadly explosion at the Port of Beirut in August last year. AP
A cargo ship sits anchored behind the destroyed Silo at Beirut's port on July 13, 2021, almost a year after the August 4 massive explosion that killed more than 200 people and injured scores of others. AFP
A cargo ship sits anchored behind the destroyed Silo at Beirut's port on July 13, 2021, almost a year after the August 4 massive explosion that killed more than 200 people and injured scores of others. AFP

The payment of dues by international reinsurers would result in an “inflow of over $1.2 billion from overseas,” the minister wrote at the time.

The investigation has been marred by controversy, with officials bickering over who bears responsibility for allowing the stockpile of explosive chemicals to be stored at the port.

In February, a number of Lebanese lawmakers petitioned the UN to set up an international fact-finding commission to look into the explosion.

The petition came after the appointment of a new lead investigator after the supreme court ruled to remove Judge Fadi Sawan at the request of two of four officials he had indicted in the case.

Judge Sawan had charged caretaker prime minister Hassan Diab and three former ministers, who are also members of parliament, with criminal negligence over the blast.

All four argued that the judge had no authority to indict them under the constitution, which grants immunity from prosecution to MPs and ministers for decisions related to their work.

His successor, Judge Tarek Bitar, has summoned all four, along with other top security officials for questioning again and asked parliament to lift immunity on the three indicted MPs.

However, his request has yet to be approved, with major political parties arguing that officials should be tried before a special body that brings together MPs and high-ranking judges, a move that families of victims say is an attempt to derail justice.

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Born September 27, 1976

Position Attacking midifelder

Clubs played for (1) - Roma

Total seasons 24

First season 1992/93

Last season 2016/17

Appearances 786

Goals 307

Titles (5) - Serie A 1; Italian Cup 2; Italian Supercup 2

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TikTok Fans’ Player of the Year: Robert Lewandowski

Top Goal Scorer of All Time: Cristiano Ronaldo (Manchester United)

Best Women's Player of the Year: Alexia Putellas (Barcelona)

Best Men's Club of the Year: Chelsea

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When Umm Kulthum performed in Abu Dhabi

  

 

 

 

Known as The Lady of Arabic Song, Umm Kulthum performed in Abu Dhabi on November 28, 1971, as part of celebrations for the fifth anniversary of the accession of Sheikh Zayed bin Sultan Al Nahyan as Ruler of Abu Dhabi. A concert hall was constructed for the event on land that is now Al Nahyan Stadium, behind Al Wahda Mall. The audience were treated to many of Kulthum's most well-known songs as part of the sold-out show, including Aghadan Alqak and Enta Omri.

 
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Tax evasion: Steps to crack down on tax evasion to raise “£6.5bn per year” for the public purse

 

Defence: New high-tech weaponry, upgrading HM Naval Base in Portsmouth

 

Housing: Housebuilding to reach its highest in 40 years, with planning reforms helping generate an extra £3.4bn for public finances

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Avoid carrying weights that could cause the bike to lose balance

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1928 - Alexander Fleming discovers penicillin

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1952 - First organ transplant - a kidney - takes place 

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1979 - MRI, or magnetic resonance imaging, scanned used to diagnose illness and injury.

1998 - The first adult live-donor liver transplant is carried out

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