{"id":7606,"date":"2023-02-24T01:25:00","date_gmt":"2023-02-24T00:25:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/cest-lhistoire-dun-proprietaire-de-chateau-qui-manque-dassurance\/"},"modified":"2023-02-24T01:25:00","modified_gmt":"2023-02-24T00:25:00","slug":"cest-lhistoire-dun-proprietaire-de-chateau-qui-manque-dassurance","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/la-petite-histoire-du-jour\/cest-lhistoire-dun-proprietaire-de-chateau-qui-manque-dassurance\/","title":{"rendered":"C\u2019est l\u2019histoire d\u2019un propri\u00e9taire de ch\u00e2teau qui manque d\u2019assurance\u2026"},"content":{"rendered":"<div>\n<p class=\"title\">C\u2019est l\u2019histoire d\u2019un propri\u00e9taire de ch\u00e2teau qui manque d\u2019assurance\u2026<\/p>\n<p>Un incendie se d\u00e9clare dans un ch\u00e2teau et endommage sa charpente. L\u2019assureur fait une proposition d\u2019indemnisation, mais d\u2019un montant trop faible pour le propri\u00e9taire, qui la refuse. L\u2019assureur explique alors que ce montant est conforme aux garanties n\u00e9goci\u00e9es par le propri\u00e9taire\u2026<\/p>\n<p>En m\u00e9connaissance de cause, conteste le propri\u00e9taire, qui reproche \u00e0 l\u2019assureur un d\u00e9faut de conseil : non seulement l\u2019assureur aurait d\u00fb l\u2019avertir que le contrat ne couvrait pas une partie des risques, mais aussi le mettre en garde contre le risque d\u2019insuffisance de la garantie en cas de destruction du ch\u00e2teau\u2026 Sauf que le propri\u00e9taire a n\u00e9goci\u00e9 la prime \u00e0 la baisse, rappelle l\u2019assureur : il devait donc bien en mesurer toutes les cons\u00e9quences, notamment financi\u00e8res\u2026<\/p>\n<p>Ce que confirme le juge : pour lui, les modalit\u00e9s de l\u2019assurance, n\u00e9goci\u00e9es par le propri\u00e9taire, ont \u00e9t\u00e9 contractuellement \u00e9labor\u00e9es de mani\u00e8re claire. Il \u00e9tait donc en mesure de comprendre que l\u2019indemnisation allait forc\u00e9ment \u00eatre r\u00e9duite.<\/p>\n<p><\/p>\n<p class=\"sources\"><a href=\"https:\/\/www.legifrance.gouv.fr\/juri\/id\/JURITEXT000046533735?init=true&amp;page=1&amp;query=21-14476&amp;searchField=ALL&amp;tab_selection=all\" target=\"_blank\" rel=\"noopener\">Arr\u00eat de la Cour de cassation, 2e chambre civile, du 27 octobre 2022, n\u00b0 21-14476<\/a><\/p>\n<p><a href=\"https:\/\/www.weblex.fr\/la-petite-histoire-du-jour\" target=\"_blank\" rel=\"noopener\">La petite histoire du jour<\/a><\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/chateauagriculture.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mt5\">C\u2019est l\u2019histoire d\u2019un propri\u00e9taire de ch\u00e2teau qui manque d\u2019assurance\u2026<\/div>\n","protected":false},"author":0,"featured_media":7607,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-7606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-la-petite-histoire-du-jour"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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