{"id":9193,"date":"2023-11-23T00:00:00","date_gmt":"2023-11-22T23:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/catastrophes-naturelles-et-relogements-durgence-comment-ca-marche\/"},"modified":"2023-11-23T00:00:00","modified_gmt":"2023-11-22T23:00:00","slug":"catastrophes-naturelles-et-relogements-durgence-comment-ca-marche","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/catastrophes-naturelles-et-relogements-durgence-comment-ca-marche\/","title":{"rendered":"Catastrophes naturelles et relogements d\u2019urgence : comment \u00e7a marche ?"},"content":{"rendered":"<p>\u00c0 la suite de la loi relative \u00e0 l\u2019indemnisation des catastrophes naturelles, des changements sont \u00e0 pr\u00e9voir pour le 1er janvier 2024 ! L\u2019occasion de faire un point sur la prise en charge des frais de relogement d\u2019urgence\u2026<\/p>\n<h2>Catastrophes naturelles et relogements d\u2019urgence : les assureurs mobilis\u00e9s !<\/h2>\n<p>En 2021, une loi est venue r\u00e9former les syst\u00e8mes d\u2019indemnisation en cas de catastrophes naturelles. Dans le prolongement, des changements sont \u00e0 pr\u00e9voir pour le 1er janvier 2024 concernant les frais de relogement d\u2019urgence.<\/p>\n<p>Ainsi, ces frais vont \u00eatre pris en charge au titre des garanties pr\u00e9sentes dans les contrats d\u2019assurance dommage pour les biens d\u2019habitation sinistr\u00e9s qui constituaient la r\u00e9sidence principale de l\u2019assur\u00e9.<\/p>\n<p>Sont concern\u00e9s :<\/p>\n<ul>\n<li>les frais directs relatifs \u00e0 l\u2019h\u00e9bergement des occupants assur\u00e9s \u00e0 hauteur des frais engag\u00e9s pour le relogement d\u2019urgence des sinistr\u00e9s assur\u00e9s, dans la limite du plafond fix\u00e9 dans le contrat ;<\/li>\n<li>les frais de relogement d\u2019urgence rendus strictement n\u00e9cessaires par les travaux de r\u00e9paration des dommages caus\u00e9s par une catastrophe naturelle ;<\/li>\n<li>le cas \u00e9ch\u00e9ant, les frais de relogement quand l\u2019habitation est incessible en raison des effets d\u2019une catastrophe naturelle.<\/li>\n<\/ul>\n<p>Pour obtenir cette prise en charge, une proc\u00e9dure sp\u00e9cifique doit \u00eatre suivie :<\/p>\n<ul>\n<li>l\u2019assureur doit venir constater les conditions de mise en jeux de la garantie ;<\/li>\n<li>l\u2019indemnit\u00e9 n\u2019est due qu\u2019apr\u00e8s transmission \u00e0 l\u2019assureur des justificatifs n\u00e9cessaires pour prouver la mat\u00e9rialit\u00e9 des faits, ainsi que le montant des d\u00e9penses engag\u00e9es.<\/li>\n<\/ul>\n<p>L\u2019indemnisation par l\u2019assureur se d\u00e9coupe en 2 parties :<\/p>\n<ul>\n<li>apr\u00e8s la d\u00e9claration du sinistre et sur une p\u00e9riode de 5 jours : l\u2019assureur doit prendre en charge les frais de relogement, sans avance de l\u2019assur\u00e9, sous r\u00e9serve du plafond pr\u00e9vu au contrat qui ne peut \u00eatre inf\u00e9rieur \u00e0 80 \u20ac par jour et par occupant ;<\/li>\n<li>pass\u00e9 cette premi\u00e8re p\u00e9riode de 5 jours, si la personne ne peut r\u00e9int\u00e9grer son habitation, l\u2019assureur \u00e9tend la prise en charge sur une dur\u00e9e maximale de 6 mois, calcul\u00e9e \u00e0 compter du 1er jour de relogement, et dans la limite n\u00e9cessaire \u00e0 la remise en \u00e9tat de l\u2019habitation.<\/li>\n<\/ul>\n<p>Attention : les frais de relogement d\u2019urgence pris en charge par un contrat d\u2019habitation ne sont pas cumulables avec des aides de l\u2019\u00c9tat qui pourraient \u00eatre attribu\u00e9es pour couvrir les m\u00eames d\u00e9penses.<\/p>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000046846329\" rel=\"noopener\" target=\"_blank\">D\u00e9cret n\u00b0 2022-1737 du 30 d\u00e9cembre 2022 relatif \u00e0 l&#8217;indemnisation des catastrophes naturelles&nbsp;<\/a><\/li>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/loda\/id\/LEGIARTI000046882315\/2023-01-01\/\" rel=\"noopener\" target=\"_blank\">Arr\u00eat\u00e9 du 30 d\u00e9cembre 2022 fixant les modalit\u00e9s relatives \u00e0 la prise en charge des frais de relogement d&#8217;urgence et aux franchises applicables aux contrats d&#8217;assurance mentionn\u00e9s \u00e0 l&#8217;article L125-1 du code des assurances<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/catastrophes-naturelles-et-relogements-d-urgence-comment-ca-marche\" target=\"_blank\" rel=\"noopener\">Catastrophes naturelles et relogements d\u2019urgence : comment \u00e7a marche ?<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/catastrophenaturelle.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 la suite de la loi relative \u00e0 l\u2019indemnisation des catastrophes naturelles, des changements sont \u00e0 pr\u00e9voir pour le 1er janvier 2024 ! L\u2019occasion de faire un point sur la prise en charge des frais de relogement d\u2019urgence\u2026<\/p>\n","protected":false},"author":0,"featured_media":9194,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-9193","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 et relogements d\u2019urgence : comment \u00e7a marche ? - 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-et-relogements-durgence-comment-ca-marche\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Catastrophes naturelles et relogements d\u2019urgence : comment \u00e7a marche ? - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"\u00c0 la suite de la loi relative \u00e0 l\u2019indemnisation des catastrophes naturelles, des changements sont \u00e0 pr\u00e9voir pour le 1er janvier 2024 ! 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