{"id":349,"date":"2016-09-14T14:01:01","date_gmt":"2016-09-14T12:01:01","guid":{"rendered":"https:\/\/kermobile.com\/?p=349"},"modified":"2016-09-14T14:01:01","modified_gmt":"2016-09-14T12:01:01","slug":"comment-bien-documenter-une-declaration-de-sinistres","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/comment-bien-documenter-une-declaration-de-sinistres\/","title":{"rendered":"Comment bien documenter une d\u00e9claration de sinistres"},"content":{"rendered":"\n<p>Bien documenter une&nbsp;<strong>d\u00e9claration de sinistre<\/strong>&nbsp;contribue \u00e0 acc\u00e9l\u00e9rer les proc\u00e9dures et \u00e0 obtenir une meilleure indemnisation. Les assureurs exigent certaines garanties afin de s\u2019assurer de la v\u00e9racit\u00e9 des d\u00e9clarations. Les sinistr\u00e9s sont tenus de fournir aux experts tous les documents permettant d\u2019\u00e9valuer l\u2019\u00e9tendue des pertes, de chiffrer les dommages et d\u2019\u00e9diter une proposition de d\u00e9dommagement.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Les documents exig\u00e9s par les assureurs&nbsp;<\/strong><\/h2>\n\n\n\n<p>Le premier document \u00e0 fournir \u00e0 l\u2019assurance apr\u00e8s un dommage est la&nbsp;<strong>d\u00e9claration de sinistre<\/strong>&nbsp;qui doit d\u00e9tailler avec pr\u00e9cision les circonstances du sinistre. La date, l\u2019heure, le lieu, la nature et les causes doivent \u00eatre clairement exprim\u00e9s.<\/p>\n\n\n\n<p>Si le sinistre a impliqu\u00e9 un d\u00e9p\u00f4t de plainte, le proc\u00e8s verbal doit \u00eatre joint obligatoirement.<\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:23px\"><strong>Les documents annexes \u00e0 soumettre aux assurances<\/strong><\/p>\n\n\n\n<p>Selon les circonstances du sinistre et la nature des dommages, les documents \u00e0 soumettre \u00e0 l\u2019assurance ne seront pas forc\u00e9ment les m\u00eames.<\/p>\n\n\n\n<p>Par exemple, si le sinistre tient de la responsabilit\u00e9 civile d\u2019un individu, des t\u00e9moignages \u00e9crits peuvent \u00eatre d\u2019un grand recours pour d\u00e9terminer les responsabilit\u00e9s.<\/p>\n\n\n\n<p>Des photos avant \/ apr\u00e8s permettent aux experts de mieux \u00e9valuer les pertes et de faire une estimation pr\u00e9cise des dommages.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Les documents \u00e0 fournir avec la liste des pertes et dommages<\/strong><\/h2>\n\n\n\n<p>La&nbsp;<strong>d\u00e9claration de sinistre<\/strong>&nbsp;doit comporter un chiffrage pr\u00e9cis de la valeur des pertes et dommages avec la date d\u2019achat ou de livraison des biens mobiles mis en cause. Les assureurs exigent les factures correspondantes aux biens d\u00e9clar\u00e9s.<\/p>\n\n\n\n<p>Dans le cas de d\u00e9g\u00e2ts affectant une construction avec destruction partielle ou totale d\u2019un b\u00e2timent, il faudra \u00e9galement fournir aux experts les plans d\u2019architecte des lieux concern\u00e9s par le sinistre.<\/p>\n\n\n\n<p>La&nbsp;<strong>d\u00e9claration de sinistre<\/strong>, ainsi que tous les documents obligatoires et annexes seront adress\u00e9s \u00e0 la compagnie d\u2019assurance couvrant les dommages dans les d\u00e9lais impartis par le contrat d\u2019assurance en recommand\u00e9 avec accus\u00e9 r\u00e9ception.&nbsp; Une&nbsp;<strong>d\u00e9claration de sinistre<\/strong>&nbsp;bien document\u00e9e peut faciliter l\u2019obtention d\u2019une meilleure indemnit\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bien documenter une&nbsp;d\u00e9claration de sinistre&nbsp;contribue \u00e0 acc\u00e9l\u00e9rer les proc\u00e9dures et \u00e0 obtenir une meilleure indemnisation. Les assureurs exigent certaines garanties afin de s\u2019assurer de la v\u00e9racit\u00e9 des d\u00e9clarations. Les sinistr\u00e9s sont tenus de fournir aux experts tous les documents permettant d\u2019\u00e9valuer l\u2019\u00e9tendue des pertes, de chiffrer les dommages et d\u2019\u00e9diter une proposition de d\u00e9dommagement. Les [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":199,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[13,16,33,18],"class_list":["post-349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-assurances","tag-declaration","tag-documenter","tag-sinistre"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment bien documenter une d\u00e9claration de sinistres - 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\/en\/comment-bien-documenter-une-declaration-de-sinistres\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment bien documenter une d\u00e9claration de sinistres - KerMobile\" \/>\n<meta property=\"og:description\" content=\"Bien documenter une&nbsp;d\u00e9claration de sinistre&nbsp;contribue \u00e0 acc\u00e9l\u00e9rer les proc\u00e9dures et \u00e0 obtenir une meilleure indemnisation. Les assureurs exigent certaines garanties afin de s\u2019assurer de la v\u00e9racit\u00e9 des d\u00e9clarations. Les sinistr\u00e9s sont tenus de fournir aux experts tous les documents permettant d\u2019\u00e9valuer l\u2019\u00e9tendue des pertes, de chiffrer les dommages et d\u2019\u00e9diter une proposition de d\u00e9dommagement. 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