{"id":54,"date":"2022-04-28T18:16:01","date_gmt":"2022-04-28T16:16:01","guid":{"rendered":"https:\/\/www.papercare.fr\/?page_id=54"},"modified":"2022-08-30T17:47:00","modified_gmt":"2022-08-30T15:47:00","slug":"sinistre","status":"publish","type":"page","link":"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/","title":{"rendered":"Comment fonctionne l\u2019assurance habitation en cas de sinistre ?"},"content":{"rendered":"<p><!--Meta title Assurance habitation sinistre : comment fonctionne-t-elle? Meta description L\u2019assurance habitation sinistre assure une indemnisation lors de la survenue d\u2019un sinistre dans une habitation. Mais que couvre-t-elle et comment fonctionne-t-elle ?--><\/p>\n<p>L\u2019<b><a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/\">assurance habitation<\/a> sinistre<\/b> a pour objectif de garantir une indemnisation apr\u00e8s l\u2019apparition d\u2019un sinistre dans son habitation. Ainsi, en cas de d\u00e9g\u00e2t des eaux, d\u2019incendie ou de cambriolage engendrant un dommage sur un bien mobilier ou immobilier, l\u2019assurance couvre le dit sinistre selon un certain nombre de facteurs. C\u2019est la raison pour laquelle il est important d\u2019opter pour le meilleur contrat habitation possible. Chez papernest, nous proposons une <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/multirisques\/\">assurance multirisques habitation<\/a> pour une couverture maximale. D\u00e9couvrez tout ce qu\u2019il y a \u00e0 savoir en cas de sinistre et comment faire marcher au mieux son assurance habitation.<\/p>\n<h2  id=\"sinistre_habitation_definition\">Qu&rsquo;est-ce qu&rsquo;un sinistre habitation? <\/h2>\n<h3>D\u00e9finition du sinistre en assurance habitation<\/h3>\n<p>La <b>d\u00e9finition d\u2019un sinistre en assurance<\/b>, en droit des assurances, correspond \u00e0 toutes circonstances pr\u00e9vues au sein d\u2019un contrat comme :<\/p>\n<ul>\n<li>un incendie ;<\/li>\n<li>un vol ;<\/li>\n<li>un d\u00e9c\u00e8s du souscripteurs ou d\u2019un tiers ;<\/li>\n<li>un naufrage ;<\/li>\n<li>un d\u00e9g\u00e2t des eaux.<\/li>\n<\/ul>\n<p>L\u2019apparition de ces \u00e9v\u00e8nements engendre pour la compagnie d\u2019assurance l\u2019obligation de faire jouer les garanties pr\u00e9vues dans le contrat :<\/p>\n<ul>\n<li>indemnit\u00e9 ;<\/li>\n<li>capital ;<\/li>\n<li>rente.<\/li>\n<\/ul>\n<p>Pour les assureurs de responsabilit\u00e9 civile, le <b>sinistre en assurance habitation<\/b> est consid\u00e9r\u00e9 uniquement dans le cas o\u00f9 la victime r\u00e9clame un d\u00e9dommagement au responsable assur\u00e9.<\/p>\n<p><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000006792236\/\">L&rsquo;article<\/a> L. 121-1 du Code des assurances g\u00e8re les dommages et les sinistres. Celui-ci notifie que l&rsquo;assurance, relative \u00e0 un bien donn\u00e9, s&rsquo;inscrit dans le \u00ab principe indemnitaire \u00bb \u00e9non\u00e7ant qu&rsquo;apr\u00e8s un sinistre, l&rsquo;indemnisation de l&rsquo;assur\u00e9 ne doit faire ni perte ni b\u00e9n\u00e9fice. Par ailleurs, celle-ci ne doit pas \u00eatre sup\u00e9rieure au montant de la valeur du bien assur\u00e9 au jour du sinistre.<\/p>\n<h3>Exemples fr\u00e9quents de sinistres<\/h3>\n<h4>Le d\u00e9g\u00e2t des eaux<\/h4>\n<p>Le sinistre peut provenir, par exemple, d\u2019une fuite d\u2019eau accidentelle, d\u2019un d\u00e9bordement \u00e9manant de conduites non enterr\u00e9es, d\u2019appareils \u00e0 effet d\u2019eau tel qu\u2019un lave-vaisselle ou une machine \u00e0 laver le linge, d\u2019installation sanitaire, d\u2019une infiltration d\u2019eau de pluie ou de neige ou encore d\u2019une rupture de canalisation. La garantie d\u00e9g\u00e2ts des eaux prend en charge les dommages mobiliers et immobiliers caus\u00e9s par l\u2019eau.<\/p>\n<h4>La catastrophe naturelle<\/h4>\n<p>Au sein d\u2019un <b>contrat d\u2019assurance habitation<\/b> , il s\u2019agit de la garantie catastrophe naturelle. Celle-ci entre en jeu lorsque l\u2019habitation est sinistr\u00e9e suite \u00e0 un \u00e9v\u00e9nement d\u00e9sign\u00e9 catastrophe naturelle par un arr\u00eat\u00e9 interminist\u00e9riel publi\u00e9 au Journal Officiel. Il \u00e9nonce la zone et la nature des dommages caus\u00e9s comme un tremblement de terre, une avalanche ou encore une inondation. Concernant les catastrophes naturelles, la loi pr\u00e9voit que la franchise, couvrant l\u2019assur\u00e9, s&rsquo;\u00e9l\u00e8ve \u00e0 380 euros pour les biens \u00e0 usage d\u2019habitation et non professionnels.<\/p>\n<h4>Le cambriolage<\/h4>\n<p>La garantie vol d\u2019un contrat d\u2019assurance habitation prend en charge les biens disparus, d\u00e9truits ou d\u00e9t\u00e9rior\u00e9s du logement durant le vol ou la tentative de vol. Parmi les biens pris en charge, il s\u2019agit du mobilier, des objets de valeur ou encore des \u00e9quipements informatiques. Cette assurance couvre <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/velo\/\">le vol de v\u00e9los<\/a> \u00e0 certaines conditions. Concernant la d\u00e9t\u00e9rioration caus\u00e9e par les voleurs, la garantie couvre aussi bien celle des biens immobiliers que mobiliers. Bien que tr\u00e8s utile, la <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/cambriolage\/\">garantie vol<\/a> n\u2019est pas syst\u00e9matiquement int\u00e9gr\u00e9e \u00e0 toutes les formules d&rsquo;assurance habitation. Par ailleurs, elle fait l\u2019objet d\u2019un plafond pr\u00e9vu dans le contrat.<\/p>\n<h4>L\u2019incendie<\/h4>\n<p>La <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/incendie\/\">garantie incendie<\/a> intervient en cas de dommages caus\u00e9s par un incendie, une explosion ou des fum\u00e9es avec ou sans feu. D&rsquo;o\u00f9 l&rsquo;obligation de <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/incendie\/detecteur-fumee\/\">disposer d&rsquo;un d\u00e9tecteur de fum\u00e9e<\/a>. Cependant, g\u00e9n\u00e9ralement la garantie incendie ne couvre pas les dommages \u00e9lectriques.<\/p>\n<h2  id=\"%ef%b8%8fcomment_reagir_en_cas_de_sinistre_dans_son_logement\">Comment faire en cas de sinistre avec son assurance habitation ? <\/h2>\n<h3>Checklist<\/h3>\n<p>Lors d\u2019un sinistre, il convient de proc\u00e9der par \u00e9tape :<\/p>\n<ol>\n<li>Dans un premier temps, il faut contacter le service d&rsquo;assistance qui sera en mesure de proposer un d\u00e9pannage en cas d\u2019urgence.<\/li>\n<li>Dans un second temps, il convient de contacter sa compagnie d\u2019assurance le plus rapidement possible pour que celle-ci puisse ouvrir un dossier.<\/li>\n<li>Enfin, il faut <b>d\u00e9clarer un sinistre<\/b> \u00e0 l\u2019assureur par<a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/declaration\/lettre\/\"> lettre recommand\u00e9e<\/a> avec accus\u00e9 de r\u00e9ception selon les d\u00e9tails pr\u00e9vus par la loi et les clauses du contrat d\u2019assurance habitation. \u00c0 cette <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/declaration\/\">d\u00e9claration de sinistre<\/a>, il faut joindre toutes les informations pouvant faciliter ou acc\u00e9l\u00e9rer la proc\u00e9dure d\u2019indemnisation. Plus les informations et les documents seront prolifiques, plus le <b>remboursement par l\u2019assurance habitation<\/b> sera facilit\u00e9 et rapide.<\/li>\n<\/ol>\n<p>Les documents \u00e0 associer \u00e0 la lettre recommand\u00e9e sont les suivants :<\/p>\n<ul>\n<li>Des photos et\/ou vid\u00e9os du sinistre mobilier ou immobilier, qu\u2019il ait \u00e9t\u00e9 endommag\u00e9 ou qu\u2019il ait disparu. Il convient aussi, s\u2019il s\u2019agit d\u2019un objet, de pr\u00e9ciser la marque et le mod\u00e8le.<\/li>\n<li>En cas de vol, de vandalisme ou encore de cambriolage, la copie du rapport de police ou du d\u00e9p\u00f4t de plainte au commissariat.<\/li>\n<li>S\u2019il y en avait, des t\u00e9moignages de tiers.<\/li>\n<li>Toutes preuves d\u2019achat, que ce soit des tickets de caisse, des factures, des confirmations d\u2019achat par email, des biens mobiliers disparus ou endommag\u00e9s.<\/li>\n<li>Dans le cas d\u2019une installation d\u2019un syst\u00e8me de surveillance ou d\u2019alarme, il faut joindre une d\u00e9claration de la soci\u00e9t\u00e9 en charge du dispositif, attestant de son bon fonctionnement.<\/li>\n<\/ul>\n<p>Une fois la lettre recommand\u00e9e et les documents envoy\u00e9s, la compagnie d\u2019assurance validera ce qui entre dans le cadre des garanties du contrat d\u2019assurance habitation.<\/p>\n<p>Il est imp\u00e9ratif de d\u00e9clarer formellement les d\u00e9g\u00e2ts et les pertes engendr\u00e9s par le sinistre. De plus, il ne faut pas oublier de pr\u00e9ciser la date et les circonstances de ce dernier. Enfin, m\u00eame si un expert peut intervenir \u00e0 la demande de l\u2019assureur pour d\u00e9finir une estimation professionnelle des d\u00e9g\u00e2ts, il convient \u00e0 l\u2019assur\u00e9 victime d\u2019\u00e9valuer le plus justement possible le montant des dommages. L\u2019expert pourra v\u00e9rifier la conformit\u00e9 des d\u00e9clarations.<\/p>\n<div class=\"\u2019encadre\u2019\">\n<h4>\u00c0 noter<\/h4>\n<p>Il est important de garder en l\u2019\u00e9tat les biens endommag\u00e9s jusqu\u2019\u00e0 l&rsquo;\u00e9valuation de l\u2019expert. Si une r\u00e9paration en urgence est n\u00e9cessaire avant l\u2019avis de l\u2019expert, il convient de consulter la compagnie d\u2019assurance et de garder les factures des r\u00e9parations effectu\u00e9es. Il sera \u00e9ventuellement possible de b\u00e9n\u00e9ficier d\u2019un taux de TVA r\u00e9duit de 10%.<\/p>\n<\/div>\n<h2  id=\"\"><img decoding=\"async\" class=\"lazy-loaded alignnone size-full wp-image-58\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" height=\"1\" width=\"1\" data-src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier.png\" alt=\"\" width=\"1829\" height=\"791\" data-lazy-srcset=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier.png 1829w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier-300x130.png 300w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier-1024x443.png 1024w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier-768x332.png 768w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier-1536x664.png 1536w\" data-lazy-sizes=\"(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><noscript><img decoding=\"async\" class=\"alignnone size-full wp-image-58\" src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier.png\" alt=\"\" width=\"1829\" height=\"791\" srcset=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier.png 1829w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier-300x130.png 300w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier-1024x443.png 1024w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier-768x332.png 768w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/photo-calendrier-1536x664.png 1536w\" sizes=\"(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/noscript><\/h2>\n<h2  id=\"%ef%b8%8fquand_declarer_son_sinistre_a_son_assurance\">Quand d\u00e9clarer un sinistre \u00e0 l&rsquo;assurance habitation <\/h2>\n<h3>D\u00e9lais l\u00e9gaux<\/h3>\n<p>Lorsqu\u2019un sinistre pris en charge par l\u2019assurance habitation est constat\u00e9, il faut agir le plus rapidement possible. Mais, <b>combien de temps a-t-on pour d\u00e9clarer un sinistre<\/b> ? Selon le sinistre et la situation, le <b>d\u00e9lai de d\u00e9claration de sinistre \u00e0 l\u2019assurance habitation<\/b>\u00a0varie :<\/p>\n<ul>\n<li>Le cas d\u2019une catastrophe naturelle ou technologique : le d\u00e9lai de d\u00e9claration est de 10 jours ouvr\u00e9s apr\u00e8s la publication de l\u2019arr\u00eat\u00e9 interminist\u00e9riel publi\u00e9 au Journal Officiel.<\/li>\n<li>Le cas d\u2019un cambriolage : le d\u00e9lai de d\u00e9claration est de 2 jours ouvr\u00e9s.<\/li>\n<li>Le cas d\u2019un d\u00e9g\u00e2t des eaux, d\u2019un incendie ou de tout autre sinistre pr\u00e9vu dans le contrat d\u2019assurance habitation : le d\u00e9lai de d\u00e9claration est de 5 jours ouvr\u00e9s.<\/li>\n<\/ul>\n<p>Si ces d\u00e9lais ne sont pas respect\u00e9s, l\u2019assur\u00e9 victime risque de ne pas obtenir de droit d\u2019<b>indemnisation du sinistre par son assurance habitation<\/b>. En revanche, la compagnie d\u2019assurance doit prouver que le retard de d\u00e9claration lui porte pr\u00e9judice afin de pouvoir sanctionner l\u2019assur\u00e9. En temps normal, les d\u00e9lais de d\u00e9claration de sinistre ne sont pas modifiables, sauf si un accord formel a \u00e9t\u00e9 pass\u00e9 entre l\u2019assur\u00e9 et la compagnie d\u2019assurance.<\/p>\n<h3>Cas concret<\/h3>\n<p>Prenons le cas d\u2019un d\u00e9g\u00e2t des eaux, car comme nous l\u2019avons d\u00e9j\u00e0 \u00e9voqu\u00e9, il s\u2019agit du sinistre le plus fr\u00e9quent en assurance habitation. La premi\u00e8re chose \u00e0 faire, avant m\u00eame d\u2019entamer les d\u00e9marches administratives, est de couper l\u2019arriv\u00e9e d\u2019eau afin de pr\u00e9server un maximum de biens. La t\u00e2che est facile si la fuite provient de son logement. Si ce n\u2019est pas le cas, et que le voisin n\u2019est pas chez lui, il faut appeler les pompiers. Une fois l\u2019eau coup\u00e9e, il ne faut \u00e9viter au maximum de jeter ou r\u00e9parer les biens endommag\u00e9s avant l\u2019intervention de l\u2019expert mandat\u00e9 par l\u2019assureur. Si une r\u00e9paration est urgente, il faut imp\u00e9rativement pr\u00e9venir ce dernier et garder les justificatifs.<\/p>\n<p>La deuxi\u00e8me \u00e9tape consiste \u00e0 entamer les d\u00e9marches aupr\u00e8s de son assureur. Plusieurs cas de figure sont possibles :<\/p>\n<ol>\n<li>Le d\u00e9g\u00e2t des eaux provient de son logement mais ne touche pas celui-ci.<\/li>\n<li>Le d\u00e9g\u00e2t des eaux provient de son logement et touche diff\u00e9rents logements, dont le sien.<\/li>\n<li>Le d\u00e9g\u00e2t des eaux provient de son voisin.<\/li>\n<\/ol>\n<p>Si son logement est le seul \u00e0 \u00eatre endommag\u00e9, l\u2019assur\u00e9 a 5 jours pour faire une <b>d\u00e9claration de sinistre pour l\u2019assurance habitation<\/b>. Il pourra le faire par t\u00e9l\u00e9phone, sur le site internet de la compagnie d\u2019assurance ou par lettre recommand\u00e9e. Il faudra joindre tous les documents pouvant aider le versement de l\u2019<b>indemnisation du sinistre par l\u2019assurance habitation<\/b>.<\/p>\n<p>Dans le cas d\u2019un d\u00e9g\u00e2t des eaux engageant des tiers, que celui-ci provienne de son logement ou de celui du voisin, il sera n\u00e9cessaire de remplir, avec toutes les parties, un constat amiable sp\u00e9cifique pour ce type de sinistre. Il faudra pr\u00e9ciser son origine comme une fuite de canalisation, une infiltration etc. Le constat amiable, sous forme de formulaire, est g\u00e9n\u00e9ralement t\u00e9l\u00e9chargeable sur le site internet de la compagnie d\u2019assurance. Toutes les personnes ext\u00e9rieures affect\u00e9es au sinistre, telles que le syndicat ou encore les voisins, doivent signer le constat. Ce formulaire doit \u00eatre rempli dans les 5 jours ouvr\u00e9s \u00e0 partir de la constatation du sinistre.<\/p>\n<h2  id=\"%e2%9d%93fonctionnement_assurance_en_cas_de_sinistre\">Comment fonctionne l&rsquo;assurance en cas de sinistre? <\/h2>\n<h3>Comment faire marcher son assurance<\/h3>\n<p>G\u00e9n\u00e9ralement, les biens mobiliers comme les meubles, les objets de valeur, les \u00e9quipements ou le linge et les biens immobiliers (le logement, ses d\u00e9pendances et annexes), sont indemnis\u00e9s par la compagnie d\u2019assurance de la m\u00eame mani\u00e8re \u00e0 partir d\u2019un calcul \u00e9quivalent. Cependant, l\u2019indemnisation peut \u00eatre plus ou moins importante selon l\u2019option choisie lors de la souscription du contrat.<\/p>\n<p>La premi\u00e8re \u00e9tape afin de faire marcher son assurance est l\u2019intervention, \u00e0 la demande de la compagnie d\u2019assurance, d\u2019un expert en assurances afin d\u2019\u00e9valuer la \u201cvaleur de reconstruction, v\u00e9tust\u00e9 d\u00e9duite\u201d du bien mobilier ou immobilier. Le calcul de cette valeur se fait sur la base du prix au jour du sinistre des mat\u00e9riaux et proc\u00e9d\u00e9s techniques n\u00e9cessaires \u00e0 la r\u00e9paration. \u00c0 partir de ce montant, l\u2019expert d\u00e9duit un pourcentage au titre de la v\u00e9tust\u00e9. Ce calcul g\u00e9n\u00e8re le montant de l\u2019indemnit\u00e9. La plupart du temps, il ne correspond pas \u00e0 la somme d\u00e9pens\u00e9e afin de faire les travaux de r\u00e9novation n\u00e9cessaires. C\u2019est la raison pour laquelle, chaque contrat d\u2019assurance pr\u00e9voit une garantie compl\u00e9mentaire de \u201creconstruction \u00e0 neuf\u201d. Celle-ci intervient moyennant deux conditions :<\/p>\n<ul>\n<li>La reconstruction doit avoir lieu dans un d\u00e9lai de 2 ans \u00e0 partir de la date du sinistre.<\/li>\n<li>Il ne doit pas y avoir de modifications importantes de la destination finale du bien.<\/li>\n<\/ul>\n<p>Cette garantie compl\u00e9mentaire est fr\u00e9quemment limit\u00e9e \u00e0 25% de la valeur de la reconstruction.<\/p>\n<p>Une fois l\u2019expertise de l\u2019assurance habitation r\u00e9alis\u00e9e, l\u2019indemnisation du bien mobilier ou immobilier s\u2019op\u00e8re de deux mani\u00e8res :<\/p>\n<ul>\n<li>Un remboursement en valeur d\u2019usage. Dans ce cas, est prise en compte l\u2019usure normale du bien avec, pour la calculer, l\u2019application du taux de v\u00e9tust\u00e9.<\/li>\n<li>Un remboursement en valeur \u00e0 neuf. Ici, la v\u00e9tust\u00e9 n\u2019est pas prise en compte et le bien est indemnis\u00e9 sur la base de sa valeur d\u2019achat, m\u00eame s\u2019il a \u00e9t\u00e9 achet\u00e9 il y a plusieurs ann\u00e9es.<\/li>\n<\/ul>\n<p>Dans certains cas, un assureur peut offrir, sans surco\u00fbt, une formule \u201cr\u00e9paration en nature\u201d. Cela signifie que l\u2019assur\u00e9 fait lui-m\u00eame la proc\u00e9dure de remise en \u00e9tat de son habitation par des entreprises du b\u00e2timent qui s\u2019engagent \u00e0 intervenir dans un maximum de 48 heures. Il existe aussi des assureurs qui proposent une option \u201cr\u00e9\u00e9quipement \u00e0 neuf\u201d destin\u00e9e aux appareils \u00e9lectrom\u00e9nagers, les t\u00e9l\u00e9visions, le hi-fi et la vid\u00e9o. Cette option permet le remplacement des biens d\u00e9truits ou endommag\u00e9s par \u201cun m\u00eame bien ou, \u00e0 d\u00e9faut, un mat\u00e9riel de nature, de qualit\u00e9 et de caract\u00e9ristiques \u00e9quivalentes le jour du sinistre \u00bb. Cependant, le bien ne doit pas avoir plus de 3,5 ou 7 ans selon le type de bien et les contrats. Enfin, il est possible d\u2019inclure d\u2019autres valeurs dans le contrat d\u2019assurance habitation comme :<\/p>\n<ul>\n<li>Une valeur de reconstruction qui offre la possibilit\u00e9 \u00e0 l\u2019assur\u00e9 de reconstruire son habitation sans subir une \u00e9ventuelle \u00e9rosion de la monnaie.<\/li>\n<li>Une valeur agr\u00e9\u00e9e qui ne s\u2019applique qu\u2019aux objets d\u2019art que l\u2019assureur indemnise selon la valeur fix\u00e9e par l\u2019expert.<\/li>\n<\/ul>\n<div class=\"\u2019encadre\u2019\">\n<h4>Bon \u00e0 savoir<\/h4>\n<p>Pour bien choisir son assurance habitation, il faut penser \u201cs\u00e9curit\u00e9 sur le long terme\u201d plut\u00f4t que \u201c\u00e9conomies sur le court terme\u201d, s\u2019interroger sur les garanties r\u00e9ellement int\u00e9ressantes dans son cas pr\u00e9cis, bien comparer les contrats pour obtenir la prime la plus int\u00e9ressante et surtout, n\u00e9gocier la franchise, les exclusions et les garanties.<\/p>\n    <div class=\"cta-block-double shortcode shortcode--kamino shortcode--with-link-to-app shortcode--status  white\"\n        >\n                    <div class=\"cta-block-double__content-image\">\n                <img decoding=\"async\" class=\"lazy-loaded cta-block-double__image\" loading=\"lazy\" height=\"150px\" width=\"150px\"\n                    src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" height=\"1\" width=\"1\" data-src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/12\/2021\/02\/checklist.svg\" alt=\"\"><noscript><img decoding=\"async\" class=\"cta-block-double__image\" loading=\"lazy\" height=\"150px\" width=\"150px\"\n                    src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/12\/2021\/02\/checklist.svg\" alt=\"\"><\/noscript>\n            <\/div>\n        \n        <div class=\"cta-block-double__container\">\n            <p class=\"h2 h2--shortcode cta-block-double__title\">\n                Mon devis d'assurance, rapidement, et simplement            <\/p>\n            <div class=\"cta-block-double__links\">\n                \n<a  href=\"https:\/\/app.papernest.com\/onboarding?anonymous&amp;destination=insurance&amp;pole=SEO&amp;source=metasites&amp;source2=papercare&amp;account.additional_data.insurance_provider=ppn \"\n    title=\"J&#039;obtiens mon devis ! \"\n    rel=\"nofollow\"\n    target=\"_blank\"\n    class=\"cta cta-block-double__cta cta--app \"\n>\n    <svg class=\"computer-svg\">\n        <use href=\"#computer\"\/>\n    <\/svg>\n\n    J'obtiens mon devis ! <\/a>\n            <\/div>\n            <p class=\"p--small cta-block-double__compliance\">\n                            <\/p>\n            <div class=\"cta-block-double__content\">\n                <p class=\"cta-block-double__text\">\n                                    <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"shortcode--status \">\n        <div class=\"information\">\n            <p class=\"p--info\">\n                <span class=\"information__text\">\n                    Annonce                <\/span>\n                <span class=\"information__icon\"><\/span>\n            <\/p>\n        <\/div>\n    <\/div>\n\n<\/div>\n<h3>L&rsquo;importance de l&rsquo;assurance responsabilit\u00e9 Responsabilit\u00e9 Civile<\/h3>\n<p>La responsabilit\u00e9 civile se d\u00e9finit comme l\u2019obligation de r\u00e9parer les dommages caus\u00e9s \u00e0 autrui. En ce qui concerne l\u2019assurance habitation, cela signifie r\u00e9parer les dommages caus\u00e9s par un \u00e9l\u00e9ment de son logement comme une fuite d\u2019eau, une chute d\u2019arbre ou de mur, un incendie.<\/p>\n<p>Ainsi, pour se prot\u00e9ger, il est important de souscrire \u00e0 la garantie responsabilit\u00e9 civile au sein du contrat d\u2019assurance habitation. L\u2019assurance sera en mesure de prendre en charge la r\u00e9paration du dommage caus\u00e9 par son propre logement. En effet, elle offre une base de protection en cas de pr\u00e9judices corporels et\/ou mat\u00e9riels caus\u00e9s \u00e0 autrui. Plus pr\u00e9cis\u00e9ment, elle permet de prendre en charge :<\/p>\n<ul>\n<li>Les actes de la vie quotidienne, comme le fait de casser la vitre de son voisin en jouant au ballon.<\/li>\n<li>Les dommages caus\u00e9s par son logement, comme une ardoise tombant de sa toiture sur le trottoir et brisant le pare-brise d\u2019une voiture.<\/li>\n<li>Les dommages caus\u00e9s \u00e0 un voisin en tant que locataire, comme un <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/degat-des-eaux\/\">d\u00e9g\u00e2t des eaux,<\/a> un incendie ou une explosion.<\/li>\n<\/ul>\n<p>En France, il est obligatoire pour un locataire et certains propri\u00e9taires de souscrire \u00e0 une assurance responsabilit\u00e9 civile.<\/p>\n<p>En revanche, la garantie responsabilit\u00e9 civile n\u2019intervient qu\u2019aux <b>sinistres caus\u00e9s par les assur\u00e9s des tiers<\/b>. Les sinistres pris en charge par l\u2019assurance habitation responsabilit\u00e9 civile impute aussi au baby-sitting occasionnel, aux stages en entreprises dans le cadre des \u00e9tudes.<\/p>\n<p>Si vous n\u2019avez pas encore souscrit \u00e0 une assurance habitation et\/ou avez besoin d\u2019une attestation de responsabilit\u00e9 civile, Papernest offre la possibilit\u00e9 de souscrire \u00e0 une assurance multirisques habitation proposant trois volets de garanties :<\/p>\n<ul>\n<li>la responsabilit\u00e9 civile ;<\/li>\n<li>la responsabilit\u00e9 civile vie priv\u00e9e ;<\/li>\n<li>les dommages aux biens.<\/li>\n<\/ul>\n<p>Ainsi, gr\u00e2ce \u00e0 une <b style=\"font-size: 1rem\">assurance multirisques habitation<\/b><span style=\"font-size: 1rem\"> vous serez prot\u00e9g\u00e9s en cas de sinistres comme :<\/span><\/p>\n<ul>\n<li>un d\u00e9g\u00e2t des eaux ;<\/li>\n<li>un incendie ;<\/li>\n<li>un bris de glace ;<\/li>\n<li>une catastrophe naturelle.<\/li>\n<\/ul>\n<p>Papernest vous permet de comparer, choisir et mettre en service votre <b style=\"font-size: 1rem\">assurance habitation en ligne<\/b><span style=\"font-size: 1rem\"> en seulement quelques minutes. Comment \u00e7a marche ?<\/span><\/p>\n<ul>\n<li>Vous avez le choix de renseigner les informations sur votre logement par t\u00e9l\u00e9phone avec un conseiller ou via l\u2019application Papernest.<\/li>\n<li>Vous recevez un devis personnalis\u00e9 par email.<\/li>\n<li>Une fois votre offre choisie, nous nous occupons de vous assurer en un temps record.<\/li>\n<\/ul>\n<p><span style=\"color: #666666;font-size: 1.25rem\">D\u00e9lais de remboursement en cas de sinistre<\/span><\/p>\n<p>Selon le sinistre, les <b>d\u00e9lais d\u2019indemnisation en cas de sinistre par l\u2019assurance habitation<\/b> peuvent varier. Voici un aper\u00e7u de ces derniers :<\/p>\n<ul>\n<li>Cambriolage : le d\u00e9lai d\u2019indemnisation est d\u2019environ 3 mois \u00e0 partir de la date de remise du descriptif du sinistre.<\/li>\n<li>Catastrophe naturelle ou technologique : le d\u00e9lai d\u2019indemnisation est de 30 \u00e0 60 jours suivant l\u2019accord entre les parties et\/ou d\u00e9cision de justice.<\/li>\n<li>D\u00e9g\u00e2ts des eaux, incendie, bris de verre et autres sinistre couvert par le contrat d\u2019assurance habitation : le d\u00e9lai d\u2019indemnisation se fait \u00e0 partir des 30 jours suivant l\u2019accord entre les parties.<\/li>\n<li>Petits sinistres (mobilier, objets personnels) : le d\u00e9lai d\u2019indemnisation est compris entre 10 jours et 1 mois.<\/li>\n<\/ul>\n<p><span style=\"font-size: 1rem\">En cas de retard de versement de l\u2019indemnisation (au-del\u00e0 de 3 mois), des int\u00e9r\u00eats l\u00e9gaux pourront \u00eatre appliqu\u00e9s pour sanctionner ce retard. De m\u00eame, si l\u2019assur\u00e9 communique la <\/span><b style=\"font-size: 1rem\">d\u00e9claration de sinistre \u00e0 l\u2019assurance habitation<\/b><span style=\"font-size: 1rem\"> en retard, cela peut avoir des cons\u00e9quences sur l\u2019indemnisation, voire sur le contrat d\u2019assurance habitation.<\/span><\/p>\n\n    <div class=\"cta-block-single shortcode shortcode--kamino shortcode--status  \"\n        >\n        <div class=\"cta-block-single__container\">\n            <div class=\"cta-block-single__description\">\n                <p class=\"h3 cta-block-single__title\">\n                                    <\/p>\n                <div>\n                                            <img decoding=\"async\" width=\"160px\" height=\"160px\" class=\"lazy-loaded cta-block-single__image\"\n                            src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" height=\"1\" width=\"1\" data-src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/plugins\/papernest-shortcodes\/shortcodes\/cta-block-single\/kamino\/assets\/dist\/images\/girl-light.svg\"><noscript><img decoding=\"async\" width=\"160px\" height=\"160px\" class=\"cta-block-single__image\"\n                            src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/plugins\/papernest-shortcodes\/shortcodes\/cta-block-single\/kamino\/assets\/dist\/images\/girl-light.svg\"><\/noscript>\n                                    <\/div>\n            <\/div>\n\n            <div class=\"cta-block-single__content\">\n                <p class=\"h3 cta-block-single__text\">\n                    Souscrivez une assurance habitation adapt\u00e9e \u00e0 vos besoins en 5 minutes avec papercare !                <\/p>\n                                    <a href=\"https:\/\/app.papernest.com\/onboarding?anonymous&amp;destination=insurance&amp;pole=SEO&amp;source=metasites&amp;source2=papercare&amp;account.additional_data.insurance_provider=ppn\" title=\"Souscrivez ici !\"\n                        target=\"_blank\" rel=\"nofollow\"\n                        class=\"cta secondary-reverse cta-block-single__cta cta-block-single__cta--app\">\n                        <svg class=\"computer-svg\">\n                            <use href=\"#computer\" \/>\n                        <\/svg>\n\n                        Souscrivez ici !                    <\/a>\n                \n                <p class=\"p--small cta-block-single__compliance\">\n                                    <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"shortcode--status \">\n        <div class=\"information information__cta-block-single\">\n            <p class=\"p--info\">\n                <span class=\"information__text\">\n                                    <\/span>\n                <span class=\"information__icon\"><\/span>\n            <\/p>\n        <\/div>\n    <\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance habitation sinistre a pour objectif de garantir une indemnisation apr\u00e8s l\u2019apparition d\u2019un sinistre dans son habitation. Ainsi, en cas de d\u00e9g\u00e2t des eaux, d\u2019incendie ou de cambriolage engendrant un dommage sur un bien mobilier ou immobilier, l\u2019assurance couvre le dit sinistre selon un certain nombre de facteurs. C\u2019est la raison pour laquelle il est &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/\" class=\"more-link\">Continuer la lecture<span class=\"screen-reader-text\"> de &laquo;&nbsp;Comment fonctionne l\u2019assurance habitation en cas de sinistre ?&nbsp;&raquo;<\/span><\/a><\/p>\n","protected":false},"author":1094,"featured_media":0,"parent":305,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment fonctionne l\u2019assurance habitation en cas de sinistre ? - papercare<\/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.papercare.fr\/assurance-habitation\/sinistre\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment fonctionne l\u2019assurance habitation en cas de sinistre ? - papercare\" \/>\n<meta property=\"og:description\" content=\"L\u2019assurance habitation sinistre a pour objectif de garantir une indemnisation apr\u00e8s l\u2019apparition d\u2019un sinistre dans son habitation. Ainsi, en cas de d\u00e9g\u00e2t des eaux, d\u2019incendie ou de cambriolage engendrant un dommage sur un bien mobilier ou immobilier, l\u2019assurance couvre le dit sinistre selon un certain nombre de facteurs. 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Ainsi, en cas de d\u00e9g\u00e2t des eaux, d\u2019incendie ou de cambriolage engendrant un dommage sur un bien mobilier ou immobilier, l\u2019assurance couvre le dit sinistre selon un certain nombre de facteurs. 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sont les documents dont j\u2019ai besoin pour d\u00e9clarer mon sinistre ?","Combien de sinistres avant r\u00e9siliation assurance habitation?"],"papernest-faq-answers":["<p>Voici les documents \u00e0 joindre \u00e0 la lettre recommand\u00e9e faisant office de d\u00e9claration de sinistres :<\/p>\n<ul>\n<li>Des photos et\/ou vid\u00e9os du sinistre mobilier ou immobilier.<\/li>\n<li>En cas de vol, de vandalisme ou encore de cambriolage, la copie du rapport de police ou du d\u00e9p\u00f4t de plainte au commissariat.<\/li>\n<li>S\u2019il y en avait, des t\u00e9moignages de tiers.<\/li>\n<li>Toutes preuves d\u2019achat : tickets de caisse, factures, confirmations d\u2019achat par email\u2026<\/li>\n<li>Dans le cas d\u2019une installation d\u2019un syst\u00e8me de surveillance ou d\u2019alarme, il faut joindre une d\u00e9claration de la soci\u00e9t\u00e9 en charge du dispositif, attestant de son bon fonctionnement.<\/li>\n<li style=\"list-style-type: none\">\n<ul>\n<li style=\"list-style-type: none\"><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><\/h3>\n","<p>Un assureur est en droit de r\u00e9silier un contrat d\u2019assurance habitation apr\u00e8s un ou plusieurs sinistres, m\u00eame si ce n\u2019est pas l\u2019assur\u00e9 qui l\u2019a caus\u00e9. Pour cela, il faut qu\u2019une clause soit pr\u00e9vue dans le contrat et que la compagnie d\u2019assurance le notifie \u00e0 l\u2019assur\u00e9. La r\u00e9siliation est effective un mois apr\u00e8s la notification. L\u2019assureur devra rembourser les cotisations correspondant \u00e0 la p\u00e9riode comprise entre la date de r\u00e9siliation et la date d'\u00e9ch\u00e9ance originairement pr\u00e9vue.<\/p>\n<p>De son c\u00f4t\u00e9, l\u2019assur\u00e9 peut faire une <b>r\u00e9siliation de son assurance habitation sinistre en cours<\/b>. Il suffit d\u2019envoyer une lettre \u00e0 son assureur deux mois avant la date d\u2019\u00e9ch\u00e9ance.<\/p>\n"]},"_links":{"self":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/54"}],"collection":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/users\/1094"}],"replies":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/comments?post=54"}],"version-history":[{"count":22,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/54\/revisions"}],"predecessor-version":[{"id":1615,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/54\/revisions\/1615"}],"up":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/305"}],"wp:attachment":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/media?parent=54"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/tags?post=54"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}