Nombreux sont ceux qui ont été affectés par les dernières tempêtes et intempéries. Heureusement qu’il est possible de se faire indemniser grâce à son assurance habitation. Nous vous expliquons à ce sujet et vous expliquons comment bénéficier..
Sommaire
Les garanties de l’assurance multirisque habitation
Que vous soyez propriétaire ou locataire, si vous avez souscrit à une assurance multirisque habitation, vous êtes couvert pour les dégâts dus aux tempêtes et catastrophes naturelles. Ce type d’assurance inclut souvent la garantie :
- Tempête, Ouragan, Cyclone,
- Catastrophe Naturelle,
- Incendie, Dégât des eaux, Vol, Vandalisme…
Sachez en tout cas que vous pouvez vérifier les conditions et les limites de ces garanties dans votre contrat afin de connaître précisément les indemnisations possibles en cas de dommages. Rien de mieux pour prendre connaissances de tous vos droits.
Différences entre les garanties tempête et catastrophe naturelle
Selon l’Agence nationale pour l’information sur le logement, la garantie tempête couvre les effets du vent (vents violents, tornades…), les dommages causés par la pluie, la neige ou la grêle, et l’humidité due à l’infiltration de ces précipitations à l’intérieur du logement.
Quant à la garantie catastrophe naturelle, elle couvre plutôt les inondations, les glissements de terrain, les avalanches, les séismes, etc.
Comment déclarer un sinistre à son assurance habitation ?
En cas de sinistre suite à une tempête, nous vous recommandons de procéder rapidement et respecter les démarches imposées par votre assureur pour percevoir votre indemnisation. Nous vous invitons à suivre les étapes ci-dessous :
- Rassemblez des preuves : photographiez les lieux et les objets endommagés, récupérez des témoignages ou certificats de professionnels si possible (plombiers, serruriers…).
- Contactez votre assureur : faites-lui part de votre situation dans les meilleurs délais, généralement sous 5 jours ouvrés après la survenue du sinistre.
- Envoyez une déclaration écrite : celle-ci doit comporter la date du sinistre, sa nature, les circonstances, une estimation des dommages subis ainsi que vos coordonnées bancaires pour le paiement de l’indemnisation.
- Faites évaluer les dégâts : votre assureur vous indiquera la marche à suivre pour faire évaluer les dégâts par un expert ou une entreprise agréée.
- Recevez votre indemnisation : une fois les démarches effectuées, l’indemnité sera versée selon les conditions prévues dans votre contrat d’assurance.
Bon à savoir : le rôle de l’expert
L’expert envoyé par votre assureur aura pour mission de constater les dégâts et d’évaluer leur montant. Nous vous conseillons de lui présenter toutes les preuves recueillies lors de la première étape. L’expert pourra également vous conseiller sur les travaux à entreprendre pour réparer les dommages subis.
Les franchises et indemnisations
Sachez que des franchises peuvent être appliquées en fonction de votre contrat d’assurance habitation. Sachez qu’une franchise correspond au montant qui reste à la charge de l’assuré suite à un sinistre et peut varier d’une assurance à l’autre. Nous vous recommandons de vérifier les modalités de votre contrat pour connaître les franchises applicables.
Concernant l’indemnisation, celle-ci peut se faire sous plusieurs formes. À savoir le remplacement des biens endommagés (équipements, mobilier…), le versement d’une somme correspondant aux estimations de l’expert, la prise en charge partielle ou totale des travaux de réparation.
Pour profiter au mieux de votre assurance habitation et obtenir une indemnisation adéquate, suivez les conseils ci-dessus et n’hésitez pas à consulter régulièrement votre contrat pour en connaître les spécificités. Nous vous conseillons aussi de ne pas manquer notre article : Les meilleures complémentaires santés de 2024 à découvrir !
Antoine Blondain, diplômé de l’Institut de Journalisme Bordeaux Aquitaine (IJBA), une institution qui sert de creuset aux journalistes prometteurs en France. Aujourd’hui, je suis rédacteur, auteur, et journaliste pour le site web journalpremiereedition.com, où je couvre une variété de sujets qui englobent les domaines politiques, culturels et sociaux.
Ma passion pour le journalisme a vu le jour durant mes années de formation à l’IJBA, où j’ai acquis non seulement les compétences techniques nécessaires pour exercer ce métier, mais aussi une éthique professionnelle rigoureuse. L’institut m’a offert un environnement propice pour comprendre les mécanismes complexes qui régissent les médias et la communication en général. Bonne lecture!
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