{"id":10791,"date":"2024-07-26T13:15:43","date_gmt":"2024-07-26T11:15:43","guid":{"rendered":"https:\/\/www.watio.fr\/guide\/?page_id=10791"},"modified":"2024-07-24T10:14:56","modified_gmt":"2024-07-24T08:14:56","slug":"la-determination-de-la-tranche-dans-la-convention-irsi","status":"publish","type":"page","link":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/la-determination-de-la-tranche-dans-la-convention-irsi\/","title":{"rendered":"La d\u00e9termination de la Tranche dans la convention IRSI"},"content":{"rendered":"\t\t
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\n\t\t\t\t\tLa convention IRSI distingue 2 tranches de sinistre en fonction du montant des dommages mat\u00e9riels et des frais aff\u00e9rents r\u00e9put\u00e9s garantis.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Principe<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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La Tranche 1<\/b> : lorsque le montant des dommages mat\u00e9riels<\/b> et des frais aff\u00e9rents<\/b>, appr\u00e9ci\u00e9 par local sinistr\u00e9, est inf\u00e9rieur ou \u00e9gal au plafond d’abandon de recours fix\u00e9 \u00e0 1 600 \u20ac HT.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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La Tranche 2<\/b> : lorsque le montant des dommages <\/b>et des frais aff\u00e9rents<\/b>, appr\u00e9ci\u00e9 par local sinistr\u00e9, est sup\u00e9rieur au plafond de recours et inf\u00e9rieur ou \u00e9gal au plafond d’application de la convention soit 5 000 \u20ac HT.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Si le montant des dommages mat\u00e9riels et des frais aff\u00e9rents exc\u00e8de le plafond d’application de la convention IRSI, soit > 5 000 \u20ac HT, le sinistre est g\u00e9r\u00e9 hors convention.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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D\u00e9termination de l'assiette<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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L’assiette s’appr\u00e9cie par local sinistr\u00e9 et varie en fonction de la nature du local sinistr\u00e9 (privatif <\/a><\/b>ou commun<\/a><\/b>).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Locaux privatifs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Doivent \u00eatre consid\u00e9r\u00e9s comme locaux privatifs<\/b> : les logements, garages, granges…<\/p>

Occup\u00e9s \u00e0 titre quelconque et leurs accessoires<\/b> (cave, parking…).<\/p>

Pour la d\u00e9termination de la Tranche<\/b>, chaque assureur gestionnaire d’un local sinistr\u00e9, <\/b>prendre en compte le montant hors taxes cumul\u00e9 :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\ud83d\udccc\u00a0 Des dommages mat\u00e9riels suivants<\/strong><\/span><\/p>

\u27a4 Les dommages au contenu v\u00e9tust\u00e9 <\/b>d\u00e9duite<\/p>

ET\/OU<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u27a4 Les dommages aux embellissements et\/ou aux parties immobili\u00e8res privatives en <\/span>valeur \u00e0 neuf<\/b><\/span>.<\/span><\/p>

\u00a0<\/span>ET\/OU<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u27a4 Les frais de recherche de fuite indemnis\u00e9s par l’assureur gestionnaire<\/span>.<\/span><\/p>

\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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  • V\u00e9tust\u00e9 <\/b>: d\u00e9pr\u00e9ciation appliqu\u00e9e lors de l’\u00e9valuation tenant compte de la nature du ou des biens et de leur anciennet\u00e9.<\/li>
  • Valeur \u00e0 Neuf (VAN)\u00a0<\/b>: l’\u00e9valuation des dommages aux embellissements, parties immobili\u00e8res privatives (PIP) et parties communes s’effectue sans application de v\u00e9tust\u00e9.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \ud83d\udccc\u00a0<\/u><\/b>Des frais aff\u00e9rents<\/strong><\/p>

    \u27a4 Les mesures provisoires et conservatoires<\/p>

    \u27a4 Les mesures de sauvetage<\/p>

    \u27a4 Les frais de d\u00e9placement des objets mobiliers<\/p>

    \u27a4 Les frais de d\u00e9molition et de d\u00e9blaiement<\/p>

    \u27a4 Le transport des d\u00e9combres<\/p>

    \u27a4 Le traitement des d\u00e9chets<\/p>

    \u27a4 Les frais de mise en conformit\u00e9<\/p>

    \u27a4 Les frais de diagnostics obligatoires limit\u00e9s \u00e0 la zone sinistr\u00e9e<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    Immeuble en copropri\u00e9t\u00e9 – Assur\u00e9 MMA<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    • Local 1 : Locataire (assur\u00e9 ALLIANZ) de copropri\u00e9taire (assur\u00e9 GAN) : d\u00e9bordement d’un appareil \u00e0 effet d’eau. Pas de dommages dans cet appartement.<\/span><\/li><\/ul>

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      • Local 2 : Copropri\u00e9taire occupant (assur\u00e9 MATMUT) – Dommages (selon justificatifs transmis par l’assur\u00e9) :<\/strong><\/li><\/ul>

        \u27a4 Mobilier : 300 \u20ac v\u00e9tust\u00e9 20%<\/p>

        \u27a4 Embellissements : 700 \u20ac v\u00e9tust\u00e9 25%<\/p>

        \u27a4 PIP (parties immobili\u00e8res privatives) : 400 \u20ac v\u00e9tust\u00e9 25%<\/p>

        \u27a4 Frais de d\u00e9molition d\u00e9blais : 200 \u20ac<\/p>

        \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        • Evaluation des dommages par MATMUT assureur gestionnaire de ce local sinistr\u00e9 :<\/strong><\/li><\/ul>

          \u27a4 Mobilier : 300 \u20ac (v\u00e9tust\u00e9 20%) – 60 \u20ac = 240 \u20ac<\/b> v\u00e9tust\u00e9 d\u00e9duite<\/p>

          \u27a4 Embellissements : 700 \u20ac (v\u00e9tust\u00e9 25%) = 700 \u20ac<\/b> en Valeur \u00e0 Neuf (VAN)<\/p>

          \u27a4 PIP (parties immobili\u00e8res privatives) : 400 \u20ac (v\u00e9tust\u00e9 25%) = 400 \u20ac<\/b> en VAN<\/p>

          \u27a4 Frais de d\u00e9molition d\u00e9blais : 200 \u20ac = 200 \u20ac<\/b> sur frais r\u00e9el<\/p>

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          \u2705 TOTAL de l’\u00e9valuation des dommages mat\u00e9riels et frais aff\u00e9rents : 1 540 \u20ac (TRANCHE 1)<\/b><\/p>

          \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          Locaux communs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          Doivent \u00eatre consid\u00e9r\u00e9s comme locaux communs, <\/b>l’ensemble des parties communes<\/b> (mises \u00e0 la disposition de l’usage commun<\/b> des occupants de l’immeuble), y compris celles situ\u00e9es dans les lieux privatifs<\/b> (exemple : canalisation<\/b>, gaine de ventilation<\/b>).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          Pour la d\u00e9termination de la Tranche<\/b>, l’assureur gestionnaire d’un local commun sinistr\u00e9 (assureur de l’immeuble) prendra en compte le montant HT cumul\u00e9 :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          \"\ud83d\udccc\"\u00a0 Des dommages mat\u00e9riels suivants<\/strong><\/span><\/p>

          \u27a4 Les dommages au contenu des parties communes v\u00e9tust\u00e9 d\u00e9duite<\/p>

          ET\/OU<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          \u27a4 Les dommages aux parties communes en Valeur \u00e0 Neuf (VAN).<\/span><\/p>

          ET\/OU<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          \u27a4 Les frais de recherche de fuite indemnis\u00e9s par l’assureur gestionnaire (assureur de l’immeuble).<\/span><\/p>

          \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          \ud83d\udccc\u00a0<\/u><\/b>Des frais aff\u00e9rents<\/strong><\/p>

          \u27a4 Les mesures provisoires et conservatoires<\/p>

          \u27a4 Les mesures de sauvetage<\/p>

          \u27a4 Les frais de d\u00e9placement des objets mobiliers<\/p>

          \u27a4 Les frais de d\u00e9molition et de d\u00e9blaiement<\/p>

          \u27a4 Le transport des d\u00e9combres<\/p>

          \u27a4 Le traitement des d\u00e9chets<\/p>

          \u27a4 Les frais de mise en conformit\u00e9<\/p>

          \u27a4 Les frais de diagnostics obligatoires limit\u00e9s \u00e0 la zone sinistr\u00e9e<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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          Immeuble en copropri\u00e9t\u00e9 – Assur\u00e9 GENERALI<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          • Local 1 : Fuite sur canalisation privative encastr\u00e9e dans l’appartement d’un copropri\u00e9taire occupant.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            • Local\u00a0<\/span><\/span>2<\/b> : Dommages dans les parties communes de l’immeuble

              \u27a4 Hall de l’immeuble (selon les justificatifs transmis par le syndic) :<\/p>

              \u27a4 Peinture : 800 \u20ac (v\u00e9tust\u00e9 30%)<\/p>

              \u27a4 Mobilier : 600 \u20ac (v\u00e9tust\u00e9 40%)<\/p>

              \u27a4 Recherche de fuite r\u00e9alis\u00e9e \u00e0 l’initiative du syndic : 450 \u20ac<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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              • Evaluation des dommages par GENERALI assureur gestionnaire du local sinistr\u00e9<\/b>

                \u27a4 Peinture : 800 \u20ac (v\u00e9tust\u00e9 30%) : <\/span>800 \u20ac<\/b><\/span> en VAN<\/span><\/p>

                \u27a4 Mobilier : 600 \u20ac (v\u00e9tust\u00e9 40%) – 240 \u20ac = 360 \u20ac<\/b> v\u00e9tust\u00e9 d\u00e9duite<\/p>

                \u27a4 Recherche de fuite r\u00e9alis\u00e9e \u00e0 l’initiative du syndic : 450 \u20ac sur frais r\u00e9els<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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                \"\u2705\" TOTAL de l’\u00e9valuation des dommages mat\u00e9riels (pas de frais aff\u00e9rents demand\u00e9s) : 1 610 \u20ac (TRANCHE 2)<\/b><\/p>

                \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

                La convention IRSI distingue 2 tranches de sinistre en fonction du montant des dommages mat\u00e9riels et des frais aff\u00e9rents r\u00e9put\u00e9s garantis. Principe La Tranche 1 : lorsque le montant des dommages mat\u00e9riels et des frais aff\u00e9rents, appr\u00e9ci\u00e9 par local sinistr\u00e9, est inf\u00e9rieur ou \u00e9gal au plafond d’abandon de recours fix\u00e9 \u00e0 1 600 \u20ac HT. […]<\/p>\n","protected":false},"author":1,"featured_media":10876,"parent":17,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10791","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nLa d\u00e9termination de la Tranche dans la convention IRSI - Watio<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment les diff\u00e9rentes Tranches 1 ou 2 sont d\u00e9termin\u00e9es dans la convention IRSI et les cas hors convention.\" \/>\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.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/la-determination-de-la-tranche-dans-la-convention-irsi\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La d\u00e9termination de la Tranche dans la convention IRSI - 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