{"id":10894,"date":"2024-07-29T13:15:30","date_gmt":"2024-07-29T11:15:30","guid":{"rendered":"https:\/\/www.watio.fr\/guide\/?page_id=10894"},"modified":"2024-07-25T16:35:40","modified_gmt":"2024-07-25T14:35:40","slug":"evaluation-et-expertise-des-dommages-selon-la-convention-irsi","status":"publish","type":"page","link":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/evaluation-et-expertise-des-dommages-selon-la-convention-irsi\/","title":{"rendered":"\u00c9valuation et expertise des dommages selon la convention IRSI"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10894\" class=\"elementor elementor-10894\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc8fb9a e-con-full e-flex e-con e-parent\" data-id=\"dc8fb9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3440fb6f e-flex e-con-boxed e-con e-child\" data-id=\"3440fb6f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-463d74d4 elementor-widget elementor-widget-heading\" data-id=\"463d74d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Lors d'un d\u00e9g\u00e2t des eaux, la compagnie d'assurance peut envoyer un expert afin d'\u00e9valuer les dommages. L'expert va d\u00e9terminer l'indemnisation en respectant la convention IRSI.<\/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<div class=\"elementor-element elementor-element-23572646 elementor-widget elementor-widget-heading\" data-id=\"23572646\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tranche 1 : modalit\u00e9s d'\u00e9valuation des dommages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdcf242 elementor-widget elementor-widget-text-editor\" data-id=\"cdcf242\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La <b>Tranche 1<\/b> concerne les <b><a 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\/\">dommages mat\u00e9riels<\/a><\/b> et <b><a 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\/\">frais aff\u00e9rents<\/a><\/b> par local sinistre <b>inf\u00e9rieur <\/b>\u00e0 <b>1 600 \u20ac HT<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa089d3 elementor-widget elementor-widget-text-editor\" data-id=\"fa089d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour \u00e9valuer les dommages, l&rsquo;assureur gestionnaire utilise tous les moyens \u00e0 sa convenance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7e9b3a elementor-widget elementor-widget-text-editor\" data-id=\"a7e9b3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ce qui signifie qu&rsquo;il peut \u00e9valuer, selon les process mis en place au sein de la soci\u00e9t\u00e9 d&rsquo;assurances, les dommages dans le local sinistr\u00e9 : en <b>gr\u00e9 \u00e0 gr\u00e9<\/b>, sur devis, sur <b>\u00e9tat de perte<\/b> par l&rsquo;intervention d&rsquo;une <b>entreprise agr\u00e9\u00e9e de son r\u00e9seau<\/b>, par <b>l&rsquo;expertise unilat\u00e9rale<\/b>&#8230;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6e3053 elementor-widget elementor-widget-text-editor\" data-id=\"d6e3053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cependant, <b><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/expertise-pour-compte-commun-et-rec-rapport-dexpertise-pour-compte-commun-explication\/\">l&rsquo;expertise pour compte commun<\/a><\/b> ou expertise unique est obligatoire, m\u00eame en Tranche 1, d\u00e8s lors que l&rsquo;assureur gestionnaire entend exercer un recours, ce qui est possible dans 2 cas de figure :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57789c9 elementor-widget elementor-widget-text-editor\" data-id=\"57789c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Sinistres r\u00e9p\u00e9titifs<\/li><li>Sinistres engageant la <b><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-sinistre-de-degat-des-eaux\/mise-en-cause-tiers-non-professionnel-rc-vie-privee-comprehension\/\">responsabilit\u00e9 d&rsquo;un tiers non professionnel<\/a><\/b> (RC vie priv\u00e9e)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-137e82ed e-flex e-con-boxed e-con e-child\" data-id=\"137e82ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-77022e88 e-flex e-con-boxed e-con e-child\" data-id=\"77022e88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-488299fe elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"488299fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96.06 454.35c.01 6.29 1.87 12.45 5.36 17.69l17.09 25.69a31.99 31.99 0 0 0 26.64 14.28h61.71a31.99 31.99 0 0 0 26.64-14.28l17.09-25.69a31.989 31.989 0 0 0 5.36-17.69l.04-38.35H96.01l.05 38.35zM0 176c0 44.37 16.45 84.85 43.56 115.78 16.52 18.85 42.36 58.23 52.21 91.45.04.26.07.52.11.78h160.24c.04-.26.07-.51.11-.78 9.85-33.22 35.69-72.6 52.21-91.45C335.55 260.85 352 220.37 352 176 352 78.61 272.91-.3 175.45 0 73.44.31 0 82.97 0 176zm176-80c-44.11 0-80 35.89-80 80 0 8.84-7.16 16-16 16s-16-7.16-16-16c0-61.76 50.24-112 112-112 8.84 0 16 7.16 16 16s-7.16 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45017b62 elementor-widget elementor-widget-heading\" data-id=\"45017b62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">\u00c0 savoir<\/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<div class=\"elementor-element elementor-element-5973578b e-flex e-con-boxed e-con e-child\" data-id=\"5973578b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e3ec413 elementor-widget elementor-widget-spacer\" data-id=\"1e3ec413\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c7ce787 elementor-widget elementor-widget-text-editor\" data-id=\"7c7ce787\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Gr\u00e9 \u00e0 gr\u00e9<\/strong> : le gestionnaire sinistre calcule avec l&rsquo;assur\u00e9 le montant des r\u00e9parations, gr\u00e2ce \u00e0 un outil d&rsquo;aide \u00e0 l&rsquo;\u00e9valuation des dommages. Si le montant estim\u00e9 le permet, il propose une indemnisation de gr\u00e9 \u00e0 gr\u00e9, c&rsquo;est \u00e0 dire de verser directement l&rsquo;indemnit\u00e9 pr\u00e9vue afin que l&rsquo;assur\u00e9 puisse r\u00e9aliser les travaux lui-m\u00eame. L&rsquo;assur\u00e9 est libre de refuser et de pr\u00e9f\u00e9rer un mode d&rsquo;indemnisation\u00a0 sur devis, ou d&rsquo;accepter.\u00a0<\/li><li><strong>Etat de pertes<\/strong> : l&rsquo;\u00e9tat des pertes est un document permettant de r\u00e9pertorier l&rsquo;ensemble du mobilier perdu ou irr\u00e9cup\u00e9rable dans le logement, cette liste du mobilier peut \u00eatre accompagn\u00e9e d&rsquo;une liste des travaux de r\u00e9novation et de restauration \u00e0 effectuer. L&rsquo;\u00e9tat des pertes n&rsquo;est pas qu&rsquo;une simple liste. Cette derni\u00e8re doit \u00eatre la plus compl\u00e8te possible. Ainsi, le mobilier doit \u00eatre accompagn\u00e9 dans le meilleur des cas de sa date d&rsquo;achat, de son prix d&rsquo;achat et d&rsquo;une facture (ou d&rsquo;une preuve).<\/li><li><strong>Entreprise agr\u00e9e du r\u00e9seau<\/strong> : bon nombre d&rsquo;assureurs ont pass\u00e9 des accords avec des entreprises du b\u00e2timent. Si l&rsquo;assur\u00e9 donne son accord pour que les travaux de remise en \u00e9tat de son logement soient effectu\u00e9s par une entreprise du r\u00e9seau de son assureur : l&rsquo;entreprise effectue dans un premier temps un devis qu&rsquo;il communique \u00e0 l&rsquo;assureur. D\u00e8s lors que l&rsquo;assureur valide le devis, l&rsquo;entreprise ex\u00e9cute les travaux et transmet sa facture \u00e0 l&rsquo;assureur qui r\u00e8gle directement l&rsquo;entreprise.<\/li><li><strong>Expertise unilat\u00e9rale<\/strong> : l&rsquo;assureur donne mission \u00e0 un expert qui interviendra seul aux fins d&rsquo;identifier les biens endommag\u00e9s ou d\u00e9truits, d\u00e9terminer les circonstances du sinistre, d\u00e9crire les dommages, les chiffrer, \u00e9valuer la v\u00e9tust\u00e9 des biens, pr\u00e9coniser des mesures conservatoires le cas \u00e9ch\u00e9ant et indiquer les modalit\u00e9s de remise en \u00e9tat (remplacement ou r\u00e9paration des biens endommag\u00e9s). A r\u00e9ception du rapport d&rsquo;expertise, l&rsquo;assureur proc\u00e8de \u00e0 l&rsquo;indemnisation.<\/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<div class=\"elementor-element elementor-element-5a2a3c26 elementor-widget elementor-widget-heading\" data-id=\"5a2a3c26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tranche 2 : modalit\u00e9s d'\u00e9valuation des dommages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44e05e68 elementor-widget elementor-widget-text-editor\" data-id=\"44e05e68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La <b>Tranche 2<\/b> concerne le montant des <b><a 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\/\">dommages mat\u00e9riels<\/a><\/b> et <b><a 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\/\">frais aff\u00e9rents<\/a><\/b> par local sup\u00e9rieur \u00e0 <b>1 600 \u20ac HT<\/b> et inf\u00e9rieur \u00e0 <b>5 000 \u20ac HT<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed3d550 elementor-widget elementor-widget-text-editor\" data-id=\"ed3d550\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour \u00e9valuer les dommages relevant de la <b>Tranche 2<\/b>, l&rsquo;assureur gestionnaire a obligation, dans la mesure o\u00f9 cette <b>Tranche<\/b> permet l&rsquo;exercice d&rsquo;un <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/\"><b>recours<\/b><\/a> de <b>faire proc\u00e9der \u00e0 une <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/expertise-pour-compte-commun-et-rec-rapport-dexpertise-pour-compte-commun-explication\/\">expertise pour compte commun<\/a> (ou expertise unique)<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5f41f elementor-widget elementor-widget-text-editor\" data-id=\"6a5f41f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;assureur peut recourir aux experts lib\u00e9raux ou salari\u00e9s (Inspecteurs dommages, r\u00e9gleurs b\u00e2timents) auxquels il fait habituellement appel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1251797 elementor-widget elementor-widget-heading\" data-id=\"1251797\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mission d'expertise pour compte commun<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e8c8d43 elementor-widget elementor-widget-heading\" data-id=\"4e8c8d43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">D\u00e9signation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4df43dee elementor-widget elementor-widget-text-editor\" data-id=\"4df43dee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;assureur gestionnaire proc\u00e8de \u00e0 la d\u00e9signation d&rsquo;un expert qui interviendra dans le cadre de la mission <b><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/expertise-pour-compte-commun-et-rec-rapport-dexpertise-pour-compte-commun-explication\/\">d&rsquo;expertise pour compte commun<\/a><\/b> telle qu&rsquo;elle est d\u00e9finie dans <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/lintegralite-de-la-convention-irsi-en-pdf\/\"><b>l&rsquo;annexe 4 de la convention IRSI<\/b><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66fac83 elementor-widget elementor-widget-heading\" data-id=\"66fac83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les \u00e9l\u00e9ments essentiels de la mission d'expertise pour compte commun<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63f1f55 elementor-widget elementor-widget-text-editor\" data-id=\"63f1f55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>La mission <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/expertise-pour-compte-commun-et-rec-rapport-dexpertise-pour-compte-commun-explication\/\"><strong>d&rsquo;expertise pour compte commun<\/strong><\/a> concerne les sinistres <strong>d\u00e9g\u00e2ts des eaux<\/strong> ou <strong>incendie<\/strong> pouvant donner lieu \u00e0 l&rsquo;exercice d&rsquo;un <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/\"><strong>recours<\/strong> <\/a>:\u00a0<\/li><\/ul><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/> En <strong>Tranche 1<\/strong> : les sinistres <strong>r\u00e9p\u00e9titifs<\/strong> et les sinistres engageant la <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-sinistre-de-degat-des-eaux\/mise-en-cause-tiers-non-professionnel-rc-vie-privee-comprehension\/\"><strong>RC d&rsquo;un tiers non professionnel<\/strong><\/a>.<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/> <strong>En Tranche 2<\/strong> : tous les <strong>sinistres<\/strong>, et ce afin de permettre \u00e0 l&rsquo;assureur gestionnaire d&rsquo;effectuer son <strong>recours.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8599e0 elementor-widget elementor-widget-text-editor\" data-id=\"f8599e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Elle organise les modalit\u00e9s de mise en \u0153uvre des op\u00e9rations d&rsquo;expertise concernant :<\/li><\/ul><p>\u27a1\ufe0f Les causes et circonstances du sinistre.<\/p><p>\u27a1\ufe0f Le chiffrage des dommages \u00e0 l&rsquo;int\u00e9rieur du local sinistr\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1820d3c elementor-widget elementor-widget-text-editor\" data-id=\"1820d3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>L&rsquo;expert doit convoquer toutes les parties impliqu\u00e9es dans le sinistre (qu&rsquo;elles soient ou non assur\u00e9es), y compris le syndic ou le gestionnaire d&rsquo;immeuble.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d3c3790 e-flex e-con-boxed e-con e-child\" data-id=\"4d3c3790\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5dfbe998 e-flex e-con-boxed e-con e-child\" data-id=\"5dfbe998\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f0dfcca elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6f0dfcca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96.06 454.35c.01 6.29 1.87 12.45 5.36 17.69l17.09 25.69a31.99 31.99 0 0 0 26.64 14.28h61.71a31.99 31.99 0 0 0 26.64-14.28l17.09-25.69a31.989 31.989 0 0 0 5.36-17.69l.04-38.35H96.01l.05 38.35zM0 176c0 44.37 16.45 84.85 43.56 115.78 16.52 18.85 42.36 58.23 52.21 91.45.04.26.07.52.11.78h160.24c.04-.26.07-.51.11-.78 9.85-33.22 35.69-72.6 52.21-91.45C335.55 260.85 352 220.37 352 176 352 78.61 272.91-.3 175.45 0 73.44.31 0 82.97 0 176zm176-80c-44.11 0-80 35.89-80 80 0 8.84-7.16 16-16 16s-16-7.16-16-16c0-61.76 50.24-112 112-112 8.84 0 16 7.16 16 16s-7.16 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d69ff5c elementor-widget elementor-widget-heading\" data-id=\"4d69ff5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">\u00c0 retenir <\/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<div class=\"elementor-element elementor-element-97ad84f e-flex e-con-boxed e-con e-child\" data-id=\"97ad84f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1994c1 elementor-widget elementor-widget-spacer\" data-id=\"4d1994c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1606012b elementor-widget elementor-widget-text-editor\" data-id=\"1606012b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>LES ASSUREURS NE DOIVENT PAS \u00caTRE CONVOQU\u00c9S<\/strong><\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf2e80b elementor-widget elementor-widget-text-editor\" data-id=\"bf2e80b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Le premier rendez-vous d&rsquo;expertise doit se tenir, en accord avec l&rsquo;occupant, au plus tard dans les 15 jours \u00e0 compter de la r\u00e9ception de l&rsquo;ordre de mission.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b94c0d3 elementor-widget elementor-widget-text-editor\" data-id=\"b94c0d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">L&rsquo;expert peut mettre en \u0153uvre une expertise \u00e0 distance s&rsquo;il estime qu&rsquo;il dispose des \u00e9l\u00e9ments n\u00e9cessaires.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eebedd elementor-widget elementor-widget-text-editor\" data-id=\"3eebedd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Si l&rsquo;expert l&rsquo;estime n\u00e9cessaire, il peut mettre en \u0153uvre une recherche de fuite dans les conditions pr\u00e9vues dans la convention IRSI.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-407101e elementor-widget elementor-widget-text-editor\" data-id=\"407101e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Si l&rsquo;expert estime qu&rsquo;une seconde r\u00e9union est n\u00e9cessaire, il l&rsquo;organise et la fixe dans un d\u00e9lai minimum de 15 jours \u00e0 compter de la 1e r\u00e9union et au plus tard dans un d\u00e9lai de 20 jours.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5eb331 elementor-widget elementor-widget-text-editor\" data-id=\"e5eb331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Dans tous les cas, l&rsquo;expert doit solliciter par tous moyens l&rsquo;accord de la ou des personnes concern\u00e9es par le chiffrage de leurs dommages.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8a9881 elementor-widget elementor-widget-text-editor\" data-id=\"a8a9881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Si l&rsquo;expert n&rsquo;a pas \u00e9t\u00e9 en mesure, \u00e0 l&rsquo;issue de la r\u00e9union d&rsquo;expertise, d&rsquo;indiquer si le responsable conventionnel est ou non assur\u00e9, il doit lui adresser, dans les 10 jours \u00e0 compter de cette r\u00e9union, une LRAR lui demandant de fournir ces informations.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adebe65 elementor-widget elementor-widget-text-editor\" data-id=\"adebe65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">L&rsquo;expert doit d\u00e9poser son rapport au terme d&rsquo;un d\u00e9lai de 30 jours \u00e0 compter de l&rsquo;envoi de la LRAR. En cas de r\u00e9ponse du responsable conventionnel, il devra s&rsquo;efforcer de r\u00e9duire ce d\u00e9lai.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60ba471 elementor-widget elementor-widget-text-editor\" data-id=\"60ba471\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">A l&rsquo;issue des op\u00e9rations d&rsquo;expertise, l&rsquo;expert r\u00e9dige un rapport dont le contenu doit \u00eatre conforme au mod\u00e8le figurant dans l&rsquo;Annexe 4 de la convention IRSI et l&rsquo;adresse \u00e0 l&rsquo;ensemble des assureurs des parties concern\u00e9es ou \u00e0 d\u00e9faut aux parties concern\u00e9es.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7cb9b3 elementor-widget elementor-widget-text-editor\" data-id=\"a7cb9b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Hors le cas o\u00f9 l&rsquo;expert n&rsquo;a pas pu indiquer si le responsable conventionnel est ou non assur\u00e9, il d\u00e9pose son rapport dans les 10 jours apr\u00e8s :<\/span><\/li><\/ul><p>\u27a1\ufe0fQu&rsquo;il soit en mesure de se prononcer sur la cause du sinistre.<br \/>\u27a1\ufe0fQu&rsquo;il ait sollicit\u00e9 l&rsquo;accord de la ou des personnes concern\u00e9es par le chiffrage de leurs dommages.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eac8b9c elementor-widget elementor-widget-heading\" data-id=\"eac8b9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Opposabilit\u00e9 de l'expertise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b6c951 elementor-widget elementor-widget-text-editor\" data-id=\"6b6c951\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Les conclusions du <b><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/expertise-pour-compte-commun-et-rec-rapport-dexpertise-pour-compte-commun-explication\/\">rapport d&rsquo;expertise pour compte commun<\/a><\/b> relatives aux causes et circonstances, au cas de <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/\"><b>bar\u00e8me<\/b><\/a> et \u00e0 l&rsquo;\u00e9valuation des dommages <b>sont opposables aux assureurs des locaux<\/b>.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1df97dd9 e-flex e-con-boxed e-con e-child\" data-id=\"1df97dd9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-58ba1f2d e-flex e-con-boxed e-con e-child\" data-id=\"58ba1f2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51e71c78 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"51e71c78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96.06 454.35c.01 6.29 1.87 12.45 5.36 17.69l17.09 25.69a31.99 31.99 0 0 0 26.64 14.28h61.71a31.99 31.99 0 0 0 26.64-14.28l17.09-25.69a31.989 31.989 0 0 0 5.36-17.69l.04-38.35H96.01l.05 38.35zM0 176c0 44.37 16.45 84.85 43.56 115.78 16.52 18.85 42.36 58.23 52.21 91.45.04.26.07.52.11.78h160.24c.04-.26.07-.51.11-.78 9.85-33.22 35.69-72.6 52.21-91.45C335.55 260.85 352 220.37 352 176 352 78.61 272.91-.3 175.45 0 73.44.31 0 82.97 0 176zm176-80c-44.11 0-80 35.89-80 80 0 8.84-7.16 16-16 16s-16-7.16-16-16c0-61.76 50.24-112 112-112 8.84 0 16 7.16 16 16s-7.16 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-448b8883 elementor-widget elementor-widget-heading\" data-id=\"448b8883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">\u00c0 savoir<\/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<div class=\"elementor-element elementor-element-3b6a2d69 e-flex e-con-boxed e-con e-child\" data-id=\"3b6a2d69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb53280 elementor-widget elementor-widget-spacer\" data-id=\"3fb53280\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21de6471 elementor-widget elementor-widget-text-editor\" data-id=\"21de6471\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Cela signifie que les conclusions et les d\u00e9cisions prises dans ce rapport d&rsquo;expertise sont consid\u00e9r\u00e9es comme d\u00e9finitives et contraignantes pour toutes les parties impliqu\u00e9es, y compris les assureurs des locaux concern\u00e9s.<\/strong><\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7204ec56 e-flex e-con-boxed e-con e-child\" data-id=\"7204ec56\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-48b67951 e-flex e-con-boxed e-con e-child\" data-id=\"48b67951\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37d7a82d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"37d7a82d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-eye\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288 144a110.94 110.94 0 0 0-31.24 5 55.4 55.4 0 0 1 7.24 27 56 56 0 0 1-56 56 55.4 55.4 0 0 1-27-7.24A111.71 111.71 0 1 0 288 144zm284.52 97.4C518.29 135.59 410.93 64 288 64S57.68 135.64 3.48 241.41a32.35 32.35 0 0 0 0 29.19C57.71 376.41 165.07 448 288 448s230.32-71.64 284.52-177.41a32.35 32.35 0 0 0 0-29.19zM288 400c-98.65 0-189.09-55-237.93-144C98.91 167 189.34 112 288 112s189.09 55 237.93 144C477.1 345 386.66 400 288 400z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-753ffdc8 elementor-widget elementor-widget-heading\" data-id=\"753ffdc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Exemple<\/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<div class=\"elementor-element elementor-element-20c9ab51 e-flex e-con-boxed e-con e-child\" data-id=\"20c9ab51\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16daaf02 elementor-widget elementor-widget-spacer\" data-id=\"16daaf02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bf4425c elementor-widget elementor-widget-text-editor\" data-id=\"7bf4425c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Sinistre d\u00e9g\u00e2ts des eaux (DDE) survenus dans un immeuble en copropri\u00e9t\u00e9 assur\u00e9 AXA.<\/strong><\/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 class=\"elementor-element elementor-element-006d3e5 elementor-widget elementor-widget-text-editor\" data-id=\"006d3e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>L&rsquo;origine de ce DDE a pris naissance dans l&rsquo;appartement occup\u00e9\u00a0 par un locataire Monsieur DURANT (assur\u00e9 MATMUT) de copropri\u00e9taire (assur\u00e9 MMA) : d\u00e9bordement d&rsquo;un appareil \u00e0 effet d&rsquo;eau. Pas de dommages dans cet appartement.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f75215 elementor-widget elementor-widget-text-editor\" data-id=\"8f75215\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>L&rsquo;appartement situ\u00e9 \u00e0 l&rsquo;\u00e9tage inf\u00e9rieur est \u00e9galement occup\u00e9 par un locataire Monsieur MARTIN (assur\u00e9 GAN) et son propri\u00e9taire non-occupant (PNO) est assur\u00e9 \u00e0 la MAIF. Selon les informations communiqu\u00e9s au GAN par son assur\u00e9, les dommages sont sup\u00e9rieurs \u00e0 1 600 \u20ac HT.\u00a0<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8715828 elementor-widget elementor-widget-text-editor\" data-id=\"8715828\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Pour r\u00e9sum\u00e9<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6241ea elementor-widget elementor-widget-text-editor\" data-id=\"c6241ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u27a1\ufe0f Copropri\u00e9t\u00e9 =&gt; Assur\u00e9 AXA<\/strong><\/p><p><strong>\u27a1\ufe0f Locataire assur\u00e9 MUTMUT et le propri\u00e9taire MMA<\/strong><\/p><p><strong>\u27a1\ufe0f Locataire du dessous assur\u00e9 GAN et le propri\u00e9taire MAIF<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8501362 elementor-widget elementor-widget-text-editor\" data-id=\"8501362\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Pour le local sinistr\u00e9, l&rsquo;assureur gestionnaire est GAN. Nous avons vu en effet, que le postulat de base est que l&rsquo;assureur gestionnaire est l&rsquo;assureur de l&rsquo;occupant du local sinistr\u00e9.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc146ff elementor-widget elementor-widget-text-editor\" data-id=\"cc146ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>GAN va missionner un expert pour compte commun.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c25723f elementor-widget elementor-widget-text-editor\" data-id=\"c25723f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Au re\u00e7u de sa mission, l&rsquo;expert va fixer un rendez-vous dans les 15 jours et va convoquer aux op\u00e9rations d&rsquo;expertise :<\/strong><\/p><p><strong> <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/>\u00a0Le locataire Monsieur MARTIN<\/strong><\/p><p><strong><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/svg\/27a1.svg\" alt=\"\u27a1\ufe0f\" \/>\u00a0Le propri\u00e9taire non occupant de ce locataire Monsieur DUPONT<\/strong><\/p><p><strong>\u27a1\ufe0f Le locataire de Monsieur DURANT (responsable du DDE)<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1be0117 elementor-widget elementor-widget-text-editor\" data-id=\"1be0117\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>L&rsquo;expert r\u00e9digera son rapport et transmettra un exemplaire dans les 10 jours (d\u00e8s lors qu&rsquo;il a identifi\u00e9 la cause et obtenu l&rsquo;accord des parties concern\u00e9es par le chiffrage : le locataire et le PNO du local sinistr\u00e9).<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-438637a elementor-widget elementor-widget-text-editor\" data-id=\"438637a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Les assureurs GAN et MAIF r\u00e8gleront les dommages en fonction de la propri\u00e9t\u00e9 des biens assur\u00e9s.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-542bf53 elementor-widget elementor-widget-text-editor\" data-id=\"542bf53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Et dans un deuxi\u00e8me temps, pr\u00e9senteront leur recours respectif aupr\u00e8s de MMA assureur du responsable conventionnel.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae95c69 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"ae95c69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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","protected":false},"excerpt":{"rendered":"<p>Lors d&rsquo;un d\u00e9g\u00e2t des eaux, la compagnie d&rsquo;assurance peut envoyer un expert afin d&rsquo;\u00e9valuer les dommages. L&rsquo;expert va d\u00e9terminer l&rsquo;indemnisation en respectant la convention IRSI. Tranche 1 : modalit\u00e9s d&rsquo;\u00e9valuation des dommages La Tranche 1 concerne les dommages mat\u00e9riels et frais aff\u00e9rents par local sinistre inf\u00e9rieur \u00e0 1 600 \u20ac HT. Pour \u00e9valuer les dommages, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11091,"parent":17,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10894","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00c9valuation et expertise des dommages selon la convention IRSI - Watio<\/title>\n<meta name=\"description\" content=\"Comment la d\u00e9termination de la Tranche par l&#039;expert, en fonction des dommages, joue un r\u00f4le crucial dans la gestion des d\u00e9g\u00e2ts des eaux\" \/>\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\/evaluation-et-expertise-des-dommages-selon-la-convention-irsi\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00c9valuation et expertise des dommages selon la convention IRSI - 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