{"id":343,"date":"2016-09-07T13:54:22","date_gmt":"2016-09-07T11:54:22","guid":{"rendered":"https:\/\/kermobile.com\/?p=343"},"modified":"2016-09-07T13:54:22","modified_gmt":"2016-09-07T11:54:22","slug":"bien-organiser-une-declaration-de-sinistre-immobilier","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/bien-organiser-une-declaration-de-sinistre-immobilier\/","title":{"rendered":"Bien organiser une d\u00e9claration de sinistre immobilier."},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">En cas de d\u00e9g\u00e2ts ou de vols, quel qu\u2019en soit la nature ou l\u2019\u00e9tendue, la&nbsp;<strong>d\u00e9claration de sinistre<\/strong>&nbsp;est capitale pour l\u2019indemnisation et pour la d\u00e9termination des responsabilit\u00e9s \u00e9ventuelles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il s\u2019agit d\u2019une \u00e9tape primordiale dans le processus d\u2019indemnisation. Bien organiser sa d\u00e9claration de sinistre permet aux assureurs de proposer la meilleure r\u00e9ponse possible apr\u00e8s un sinistre et dans les meilleurs d\u00e9lais.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les d\u00e9lais pour d\u00e9clarer un sinistre :<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e8s la constatation du sinistre, l\u2019assur\u00e9 est tenu d\u2019avertir son assureur par mail, par t\u00e9l\u00e9phone, par courrier en recommand\u00e9 avec accus\u00e9 r\u00e9ception ou directement en agence pour que celui-ci ouvre un dossier et lui d\u00e9livre une attestation de sinistre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les d\u00e9lais impartis par les assureurs sont variables. Le d\u00e9lai de droit commun \u00e9tant fix\u00e9 \u00e0 5 jours, il est r\u00e9duit \u00e0 2 jours en cas de vol, 4 jours en cas de gr\u00eale et \u00e9tendu \u00e0 10 jours suivant l\u2019arr\u00eat\u00e9 minist\u00e9riel \u00e9tablissant l\u2019\u00e9tat de catastrophes naturelles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>La d\u00e9claration \u00e9crite<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La&nbsp;<strong>d\u00e9claration de sinistre<\/strong>&nbsp;doit comporter en r\u00e9f\u00e9rence le num\u00e9ro du contrat d\u2019assurance et l\u2019adresse exacte du lieu en question. Le document doit \u00eatre d\u00e9taill\u00e9, \u00e9ventuellement appuy\u00e9 de photos et de tout justificatif comme les d\u00e9p\u00f4ts de plaintes, les t\u00e9moignages\u2026 Cette d\u00e9claration sera accompagn\u00e9e d\u2019une estimation la plus pr\u00e9cise possible des pertes subies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de vol ou de vandalisme, le d\u00e9p\u00f4t de plainte est obligatoire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Lister les pertes<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon le type de d\u00e9g\u00e2ts auquel le gestionnaire aura affaire, une description d\u00e9taill\u00e9e doit accompagner la&nbsp;<strong>d\u00e9claration de sinistre<\/strong>&nbsp;en \u00e9tablissant pr\u00e9cis\u00e9ment la liste des b\u00e2timents, et pour chacun d\u2019eux les pi\u00e8ces et \u00e9tages concern\u00e9s ainsi que les d\u00e9g\u00e2ts subis sur les constructions ainsi que sur le mobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette liste doit s\u2019appuyer, si possible, sur des plans d\u2019architecte indiquant clairement les endroits atteints par le sinistre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les experts estimeront ensuite les co\u00fbts de remise en \u00e9tat.<br>C\u2019est sur cette expertise que le propri\u00e9taire et les assureurs devront se mettre d\u2019accord pour l\u2019indemnisation avant d\u2019entamer les travaux.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En cas de d\u00e9g\u00e2ts ou de vols, quel qu\u2019en soit la nature ou l\u2019\u00e9tendue, la&nbsp;d\u00e9claration de sinistre&nbsp;est capitale pour l\u2019indemnisation et pour la d\u00e9termination des responsabilit\u00e9s \u00e9ventuelles. Il s\u2019agit d\u2019une \u00e9tape primordiale dans le processus d\u2019indemnisation. Bien organiser sa d\u00e9claration de sinistre permet aux assureurs de proposer la meilleure r\u00e9ponse possible apr\u00e8s un sinistre et [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":195,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[13,16,25],"class_list":["post-343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-assurances","tag-declaration","tag-immobilier"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bien organiser une d\u00e9claration de sinistre immobilier. - KerMobile<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kermobile.com\/bien-organiser-une-declaration-de-sinistre-immobilier\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bien organiser une d\u00e9claration de sinistre immobilier. - KerMobile\" \/>\n<meta property=\"og:description\" content=\"En cas de d\u00e9g\u00e2ts ou de vols, quel qu\u2019en soit la nature ou l\u2019\u00e9tendue, la&nbsp;d\u00e9claration de sinistre&nbsp;est capitale pour l\u2019indemnisation et pour la d\u00e9termination des responsabilit\u00e9s \u00e9ventuelles. Il s\u2019agit d\u2019une \u00e9tape primordiale dans le processus d\u2019indemnisation. 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