{"id":585,"date":"2021-02-12T05:45:00","date_gmt":"2021-02-12T04:45:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/probleme-de-merules-probleme-dassurance\/"},"modified":"2021-04-08T03:00:28","modified_gmt":"2021-04-08T01:00:28","slug":"probleme-de-merules-probleme-dassurance","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/probleme-de-merules-probleme-dassurance\/","title":{"rendered":"Probl\u00e8me de m\u00e9rules = probl\u00e8me d\u2019assurance ?"},"content":{"rendered":"

Le Gouvernement va-t-il contraindre les assurances \u00e0 prendre en charge les sinistres d\u2019habitation de leurs clients imputables aux m\u00e9rules ? R\u00e9ponse\u2026<\/p>\n

\n

Probl\u00e8mes de m\u00e9rules : des assureurs contraints de venir en garantie ?<\/h2>\n

Tout occupant d\u2019un logement (locataire, propri\u00e9taire, copropri\u00e9taire, etc.) est tenu de souscrire une assurance habitation le couvrant notamment contre les risques incendie, la gr\u00eale ou les catastrophes naturelles.<\/p>\n

Mais les assureurs refusent g\u00e9n\u00e9ralement de prendre en charge le risque li\u00e9 aux m\u00e9rules, dans le cadre des contrats d’assurance multirisques habitation, estimant qu\u2019il r\u00e9sulte d\u2019un d\u00e9faut d\u2019entretien du logement.<\/p>\n

Pour rem\u00e9dier \u00e0 cela, il a \u00e9t\u00e9 demand\u00e9 au Gouvernement s\u2019il entendait contraindre les assureurs \u00e0 prendre en charge ce risque.<\/p>\n

Celui-ci lui a r\u00e9pondu par la n\u00e9gative : depuis le 1er d\u00e9cembre 1986, la pratique commerciale des entreprises d\u2019assurance est libre. Il s\u2019agit l\u00e0 de l\u2019un des fondements de la r\u00e9glementation europ\u00e9enne que le Gouvernement n\u2019entend pas remettre en cause.<\/p>\n

Ainsi, m\u00eame s\u2019il est conscient des difficult\u00e9s auxquelles sont confront\u00e9s les locataires et propri\u00e9taires de biens atteints par la m\u00e9rule, le Gouvernement ne va pas imposer aux assureurs de couvrir les dommages caus\u00e9s par ce champignon.<\/p>\n

Source : R\u00e9ponse Minist\u00e9rielle Gipson, Assembl\u00e9e Nationale, du 9 f\u00e9vrier 2021, n\u00b0 35746<\/p>\n

Probl\u00e8me de m\u00e9rules = probl\u00e8me d\u2019assurance ? <\/a>\u00a9 Copyright WebLex – 2021<\/p>\n<\/div>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Le Gouvernement va-t-il contraindre les assurances \u00e0 prendre en charge les sinistres d\u2019habitation de leurs clients imputables aux m\u00e9rules ? R\u00e9ponse\u2026<\/p>\n","protected":false},"author":0,"featured_media":3742,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-585","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"acf":[],"yoast_head":"\nProbl\u00e8me de m\u00e9rules = probl\u00e8me d\u2019assurance ? - 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\/probleme-de-merules-probleme-dassurance\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Probl\u00e8me de m\u00e9rules = probl\u00e8me d\u2019assurance ? - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Le Gouvernement va-t-il contraindre les assurances \u00e0 prendre en charge les sinistres d\u2019habitation de leurs clients imputables aux m\u00e9rules ? 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