{"id":10761,"date":"2024-09-12T00:00:00","date_gmt":"2024-09-11T22:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/catastrophes-naturelles-indemnisation-travaux\/"},"modified":"2024-09-12T00:00:00","modified_gmt":"2024-09-11T22:00:00","slug":"catastrophes-naturelles-indemnisation-travaux","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/catastrophes-naturelles-indemnisation-travaux\/","title":{"rendered":"Catastrophes naturelles : indemnisation = travaux"},"content":{"rendered":"<p>En 2023, une nouvelle r\u00e9glementation est venue encadrer l\u2019indemnisation des d\u00e9g\u00e2ts caus\u00e9s par les catastrophes naturelles issues des mouvements de terrain diff\u00e9rentiels dus \u00e0 la r\u00e9hydratation des sols \u00e0 l\u2019issue des s\u00e9cheresses. Des pr\u00e9cisions viennent d\u2019\u00eatre apport\u00e9es \u00e0 ce propos\u2026<\/p>\n<h2>Catastrophes naturelles li\u00e9es aux s\u00e9cheresses\u202f: travaux obligatoires\u202f!<\/h2>\n<p>De nouvelles pr\u00e9cisions quant \u00e0 la mise en \u0153uvre de la garantie et de l\u2019indemnisation des dommages caus\u00e9s par les mouvements de terrain diff\u00e9rentiels viennent d\u2019\u00eatre apport\u00e9es, applicables aux sinistres survenus depuis le 1er janvier 2024.<\/p>\n<p>Avant toute chose, et ce depuis le 1er janvier 2024, il faut rappeler que l\u2019indemnit\u00e9 doit \u00eatre exclusivement utilis\u00e9e pour la remise en \u00e9tat du bien selon les recommandations issues d\u2019un rapport d\u2019expertise. Une exception existe si le montant des travaux est sup\u00e9rieur \u00e0 la valeur du bien avant le sinistre.<\/p>\n<p>Voici les \u00e9l\u00e9ments de proc\u00e9dure dans la relation assureur\/assur\u00e9 \u00e0 d\u00e9sormais prendre en compte\u202f:<\/p>\n<ul>\n<li>le propri\u00e9taire assur\u00e9 doit avoir n\u00e9cessairement \u00e9t\u00e9 inform\u00e9 par son assureur de l\u2019obligation d\u2019utilisation de l\u2019indemnit\u00e9 pour la r\u00e9alisation des travaux de remise en \u00e9tat\u202f;<\/li>\n<li>l\u2019assureur peut nommer une entreprise responsable des travaux\u202f; \u00e0 d\u00e9faut, l\u2019assur\u00e9 doit lui transmettre les factures justifiant de la r\u00e9alisation des travaux de r\u00e9paration\u202f;<\/li>\n<li>l\u2019assureur peut mettre l\u2019assur\u00e9 en demeure (par lettre recommand\u00e9e ou recommand\u00e9 \u00e9lectronique) \u00e0 son obligation d\u2019utilisation de l\u2019indemnit\u00e9 pour la remise en \u00e9tat du bien immobilier, si ce dernier n\u2019a pas engag\u00e9 les travaux dans un d\u00e9lai de 24 mois apr\u00e8s accord sur l\u2019indemnisation (possibilit\u00e9 d\u2019une prorogation du d\u00e9lai de 12 mois sous condition)\u202f;<\/li>\n<li>\u00e0 la r\u00e9ception des factures, l\u2019assureur a 21 jours pour verser l\u2019indemnisation\u202f; \u00e0 d\u00e9faut de facture, l\u2019assureur peut demander la restitution de l\u2019acompte de l\u2019indemnit\u00e9 d\u00e9j\u00e0 vers\u00e9.<\/li>\n<\/ul>\n<p>Notez que\u202f:<\/p>\n<ul>\n<li>sont couverts par l\u2019indemnisation tous les dommages qui affectent, ou pourraient \u00e9voluer d\u00e9favorablement et affecter la solidit\u00e9 du b\u00e2ti ou entraver l\u2019usage normal des b\u00e2timents\u202f;<\/li>\n<li>ne sont pas couverts par l\u2019indemnisation les dommages survenus sur les constructions constitutives d\u2019\u00e9l\u00e9ments annexes aux parties \u00e0 usage d\u2019habitation ou professionnel (les garages, les parkings, les terrasses, les murs, les cl\u00f4tures ext\u00e9rieures, les serres, les terrains de jeux ou les piscines) et leurs \u00e9l\u00e9ments architecturaux connexes\u202f; ces \u00e9l\u00e9ments sont n\u00e9anmoins prot\u00e9g\u00e9s quand ils font indissociablement corps avec les ouvrages de viabilit\u00e9, de fondation, d&#8217;ossature, de clos ou de couvert.<\/li>\n<\/ul>\n<p>Enfin, sachez qu\u2019en cas de vente du bien assur\u00e9, et si le vendeur dispose du rapport d\u2019expertise, celui-ci doit informer l\u2019acqu\u00e9reur \u00e0 propos des travaux \u00e0 r\u00e9aliser, indemnis\u00e9s ou ouvrant droit \u00e0 l\u2019indemnisation. La liste des travaux indemnis\u00e9s non r\u00e9alis\u00e9s doit \u00eatre jointe \u00e0 l\u2019\u00e9tat des risques en annexe de la promesse de vente.<\/p>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000049092407\" rel=\"noopener\" target=\"_blank\">D\u00e9cret no 2024-82 du 5 f\u00e9vrier 2024 relatif aux conditions d&#8217;indemnisation des cons\u00e9quences des d\u00e9sordres caus\u00e9s par le ph\u00e9nom\u00e8ne naturel de mouvements de terrain diff\u00e9rentiels cons\u00e9cutifs \u00e0 la s\u00e9cheresse et \u00e0 la r\u00e9hydratation des sols&nbsp;<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/catastrophes-naturelles-indemnisation-travaux\" target=\"_blank\" rel=\"noopener\">Catastrophes naturelles : indemnisation = travaux<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/Shutterstock_secheresseindemnisation.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En 2023, une nouvelle r\u00e9glementation est venue encadrer l\u2019indemnisation des d\u00e9g\u00e2ts caus\u00e9s par les catastrophes naturelles issues des mouvements de terrain diff\u00e9rentiels dus \u00e0 la r\u00e9hydratation des sols \u00e0 l\u2019issue des s\u00e9cheresses. Des pr\u00e9cisions viennent d\u2019\u00eatre apport\u00e9es \u00e0 ce propos\u2026<\/p>\n","protected":false},"author":0,"featured_media":10762,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-10761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Catastrophes naturelles : indemnisation = travaux - Cabinet Magar<\/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:\/\/www.cabinet-magar.fr\/actualites\/catastrophes-naturelles-indemnisation-travaux\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Catastrophes naturelles : indemnisation = travaux - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"En 2023, une nouvelle r\u00e9glementation est venue encadrer l\u2019indemnisation des d\u00e9g\u00e2ts caus\u00e9s par les catastrophes naturelles issues des mouvements de terrain diff\u00e9rentiels dus \u00e0 la r\u00e9hydratation des sols \u00e0 l\u2019issue des s\u00e9cheresses. 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