{"id":10963,"date":"2024-08-02T13:15:05","date_gmt":"2024-08-02T11:15:05","guid":{"rendered":"https:\/\/www.watio.fr\/guide\/?page_id=10963"},"modified":"2024-07-29T11:52:31","modified_gmt":"2024-07-29T09:52:31","slug":"les-recours-selon-la-convention-irsi","status":"publish","type":"page","link":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/","title":{"rendered":"Les recours selon la convention IRSI"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10963\" class=\"elementor elementor-10963\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17e5108d e-con-full e-flex e-con e-parent\" data-id=\"17e5108d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6f762b92 e-flex e-con-boxed e-con e-child\" data-id=\"6f762b92\" 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-286c96d2 elementor-widget elementor-widget-heading\" data-id=\"286c96d2\" 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\">La convention IRSI (Indemnisation et Recours des Sinistres Immeuble) est une convention fran\u00e7aise qui vise \u00e0 simplifier et harmoniser le processus d'indemnisation et de gestion des sinistres dans les immeubles collectifs (comme les copropri\u00e9t\u00e9s). <\/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-3380847 elementor-widget elementor-widget-text-editor\" data-id=\"3380847\" 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 <strong>majorit\u00e9<\/strong> des <strong>recours<\/strong> concerne le sinistre le plus fr\u00e9quent et le plus r\u00e9pandu dans les <strong>immeubles<\/strong>, c&rsquo;est-\u00e0-dire le <strong>d\u00e9g\u00e2t des eaux<\/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-46b7490d elementor-widget elementor-widget-heading\" data-id=\"46b7490d\" 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\">Recours pour les sinistres de Tranche 1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1981b0a0 elementor-widget elementor-widget-heading\" data-id=\"1981b0a0\" 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\">Principe<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e6d3574 elementor-widget elementor-widget-text-editor\" data-id=\"1e6d3574\" 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 les <b>sinistres <\/b>de <b>Tranche 1<\/b>, les soci\u00e9t\u00e9s <b>renoncent <\/b>entre elles \u00e0 exercer un <b>recours <\/b>pour :<\/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-e235fff elementor-widget elementor-widget-text-editor\" data-id=\"e235fff\" 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 dommages mat\u00e9riels et les frais aff\u00e9rents dont le montant est inf\u00e9rieur \u00e0 1 600 \u20ac HT.<\/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-3a7d40c elementor-widget elementor-widget-text-editor\" data-id=\"3a7d40c\" 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>Y compris pour la valeur \u00e0 neuf r\u00e9gl\u00e9e au titre des <strong><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-avec-mon-assureur\/quest-ce-qui-est-considere-comme-des-embellisements-dans-le-cadre-dun-degat-des-eaux-dde\/\">embellissements<\/a><\/strong> et des <strong><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/gerer-un-litige-lors-dun-degat-des-eaux\/dommages-aux-parties-immobilieres-privatives-pip-cest-quoi\/\">PIP<\/a><\/strong>.<\/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-ba7f00 elementor-widget elementor-widget-heading\" data-id=\"ba7f00\" 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\">Exception : les sinistres r\u00e9p\u00e9titifs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f97a380 elementor-widget elementor-widget-text-editor\" data-id=\"f97a380\" 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 peut <b>d\u00e9clencher<\/b> un <b>recours <\/b>\u00e0 partir du <b>2\u00e8me sinistre<\/b>, si les conditions suivantes sont r\u00e9unies :<\/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-6a65393 elementor-widget elementor-widget-text-editor\" data-id=\"6a65393\" 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>Moins de 24 mois entre les 2 \u00e9v\u00e8nements.<\/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-879f6cd elementor-widget elementor-widget-text-editor\" data-id=\"879f6cd\" 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>M\u00eame auteur au sens du bar\u00e8me conventionnel (voir <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>tableau du bar\u00e8me de r\u00e9partition en ANNEXE de la convention IRSI<\/b><\/a>).<\/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-495ffce elementor-widget elementor-widget-text-editor\" data-id=\"495ffce\" 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>Que la cause soit identique ou diff\u00e9rente.<\/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-a584ecd elementor-widget elementor-widget-text-editor\" data-id=\"a584ecd\" 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>Quelles que soient les modalit\u00e9s de gestion du sinistre pr\u00e9c\u00e9dent (convention ou hors convention).<\/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-9c07383 elementor-widget elementor-widget-text-editor\" data-id=\"9c07383\" 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>Le pr\u00e9c\u00e9dent sinistre a pu survenir avant l&rsquo;entr\u00e9e en vigueur de la convention IRSI (1er juin 2018).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-572d2606 e-flex e-con-boxed e-con e-child\" data-id=\"572d2606\" 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-a39e7c0 e-flex e-con-boxed e-con e-child\" data-id=\"a39e7c0\" 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-754f9663 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"754f9663\" 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-259004ce elementor-widget elementor-widget-heading\" data-id=\"259004ce\" 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-67c81234 e-flex e-con-boxed e-con e-child\" data-id=\"67c81234\" 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-3ac3a4c2 elementor-widget elementor-widget-spacer\" data-id=\"3ac3a4c2\" 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-115f2268 elementor-widget elementor-widget-text-editor\" data-id=\"115f2268\" 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>Un premier sinistre DDE survenu le 18 mars 2017 ayant pour origine un d\u00e9bordement d&rsquo;appareil \u00e0 effet d&rsquo;eau. Un deuxi\u00e8me sinistre survenu le 25 ao\u00fbt 2018 ayant pour origine une fuite sur un joint de robinetterie.<\/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-1bb2b50 elementor-widget elementor-widget-text-editor\" data-id=\"1bb2b50\" 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>Selon le bar\u00e8me de l&rsquo;ANNEXE 1 (Bar\u00e8me de r\u00e9partition) de l&rsquo;IRSI, ces 2 origines, certes diff\u00e9rentes, engagent cependant la responsabilit\u00e9 de l&rsquo;occupant. Un recours pourra \u00eatre pr\u00e9sent\u00e9 pour le 2\u00e8me sinistre aupr\u00e8s de l&rsquo;assureur de l&rsquo;occupant du 2\u00e8me sinistre m\u00eame si le montant des dommages est inf\u00e9rieur \u00e0 1 600 \u20ac HT.<\/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-1a0d271 elementor-widget elementor-widget-text-editor\" data-id=\"1a0d271\" 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>Dans le cadre des sinistres r\u00e9p\u00e9titifs l&rsquo;assureur exerce son recours :<\/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-652aa1c elementor-widget elementor-widget-text-editor\" data-id=\"652aa1c\" 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><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\" \/> Sur la base d&rsquo;un <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 commun<\/a>.<\/b><\/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\" \/>\u00a0En application du <b>bar\u00e8me de r\u00e9partition<\/b> figurant en <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>a<\/b><\/a><b><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/lintegralite-de-la-convention-irsi-en-pdf\/\">nnexe 1 de la convention IRSI<\/a><\/b>.<\/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\" \/> A l&rsquo;aide <b>d&rsquo;une fiche de pr\u00e9sentation<\/b> de <b>recours <\/b>figurant en <b>annexe 4 de la convention IRSI.<\/b><\/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\" \/> En produisant les justificatifs des r\u00e8glements effectu\u00e9s pour les 2 sinistres.<\/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-17502d45 elementor-widget elementor-widget-heading\" data-id=\"17502d45\" 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\">Recours pour les sinistres de Tranche 2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1434a917 elementor-widget elementor-widget-heading\" data-id=\"1434a917\" 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\">Principe<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e94f03a elementor-widget elementor-widget-text-editor\" data-id=\"e94f03a\" 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 les <b>sinistres <\/b>de <b>Tranche 2<\/b>, l&rsquo;assureur peut, apr\u00e8s <b>indemnisation<\/b>, exercer un <b>recours <\/b>\u00e0 l&rsquo;encontre de <b>l&rsquo;assureur conventionnellement<\/b> d\u00e9sign\u00e9 en application du bar\u00e8me figurant en annexe 1.<\/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-a6bfb20 elementor-widget elementor-widget-text-editor\" data-id=\"a6bfb20\" 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>Les <b>indemnit\u00e9s <\/b>vers\u00e9es au titre 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 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\/\">frais aff\u00e9rents<\/a><\/b> donnent <b>droit \u00e0 recours<\/b>, <b><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/vetuste-deduite-dans-le-cadre-de-la-convention-irsi-explications\/\">v\u00e9tust\u00e9 d\u00e9duite<\/a><\/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-93a0544 elementor-widget elementor-widget-heading\" data-id=\"93a0544\" 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\">Pourquoi le recours est pr\u00e9sent\u00e9 hors valeur \u00e0 neuf ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db1ad84 elementor-widget elementor-widget-text-editor\" data-id=\"db1ad84\" 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 convention 3.1 du recueil de la FFA (F\u00e9d\u00e9ration Fran\u00e7aise des Assurances) pr\u00e9voit que : \u00ab\u00a0les soci\u00e9t\u00e9s qui interviennent en assurance de choses, renoncent \u00e0 exercer un recours contre les assureurs de responsabilit\u00e9 et ce quelle que soit la cat\u00e9gorie de responsabilit\u00e9 civile concern\u00e9e (RC exploitation, chef d&rsquo;entreprise, commune, auto, chef de famille&#8230;) pour la <b>Valeur\u00a0<\/b><span style=\"color: #1f1f1f; font-family: 'Google Sans', Arial, sans-serif; text-align: left;\"><b>\u00c0<\/b><\/span><b>\u00a0Neuf (VAN)<\/b>, les sommes vers\u00e9es forfaitairement au titre de la garantie <b>Pertes Indirectes<\/b>, les <b>honoraires d&rsquo;experts<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6309caec e-flex e-con-boxed e-con e-child\" data-id=\"6309caec\" 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-7f436c3d e-flex e-con-boxed e-con e-child\" data-id=\"7f436c3d\" 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-2bda3fe8 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2bda3fe8\" 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-7102521 elementor-widget elementor-widget-heading\" data-id=\"7102521\" 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-3cfcd78a e-flex e-con-boxed e-con e-child\" data-id=\"3cfcd78a\" 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-6bc985f7 elementor-widget elementor-widget-spacer\" data-id=\"6bc985f7\" 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-33e8e1a elementor-widget elementor-widget-text-editor\" data-id=\"33e8e1a\" 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>Un assureur gestionnaire re\u00e7oit le rapport d&rsquo;expertise pour compte commun r\u00e9dig\u00e9 ainsi qu&rsquo;il suit, pour son assur\u00e9 copropri\u00e9taire occupant :<\/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-8878f29 elementor-widget elementor-widget-text-editor\" data-id=\"8878f29\" 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>Embellissements :\u00a0 2 200 \u20ac TTC en valeur \u00e0 neuf (VAN) &#8211; (v\u00e9tust\u00e9 30%) 660 \u20ac = 1 540 \u20ac TTC<\/strong><\/li><li><strong>\u00a0PIP : 1 350 \u20ac TTC en valeur \u00e0 neuf &#8211; (v\u00e9tust\u00e9 25%) 337,50 \u20ac = 1 012,50 \u20ac<\/strong><\/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-dde0313 elementor-widget elementor-widget-text-editor\" data-id=\"dde0313\" 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;assureur gestionnaire r\u00e8glera \u00e0 son assur\u00e9 : 2 200 \u20ac en VAN + 1 350 \u20ac en VAN = 3 550 \u20ac<\/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-ad7c073 elementor-widget elementor-widget-text-editor\" data-id=\"ad7c073\" 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>Il effectuera son recours sur 1 540 \u20ac + 1 012,50 \u20ac = 2 252,50 \u20ac v\u00e9tust\u00e9 d\u00e9duite.<\/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-8718774 elementor-widget elementor-widget-text-editor\" data-id=\"8718774\" 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>Le recours s&rsquo;exerce :\u00a0<\/p><p>\u27a1\ufe0f Sur la base du rapport d&rsquo;expertise pour compte commun<\/p><p>\u27a1\ufe0f En application du bar\u00e8me de r\u00e9partition figurant en <strong><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/lintegralite-de-la-convention-irsi-en-pdf\/\">ANNEXE 1 de la convention IRSI<\/a><\/strong><\/p><p>\u27a1\ufe0f \u00c0 l&rsquo;aide de la fiche de pr\u00e9sentation du recours figurant en <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/lintegralite-de-la-convention-irsi-en-pdf\/\"><strong>ANNEXE 5 de la convention IRSI\u00a0<\/strong><\/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-305ee20 elementor-widget elementor-widget-heading\" data-id=\"305ee20\" 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\">Cas particuliers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53284a6 elementor-widget elementor-widget-text-editor\" data-id=\"53284a6\" 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>Lorsqu&rsquo;un sinistre est imputable \u00e0 plusieurs responsables conventionnellement diff\u00e9rents (causes multiples) :<\/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-b50f27f elementor-widget elementor-widget-text-editor\" data-id=\"b50f27f\" 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 dommages sont appr\u00e9ci\u00e9s dans leur globalit\u00e9 (une seule assiette)<\/li><li>Le recours s&rsquo;exerce \u00e0 parts \u00e9gales \u00e0 l&rsquo;\u00e9gard des assureurs des responsables concern\u00e9s et sans solidarit\u00e9<\/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-a820017 elementor-widget elementor-widget-text-editor\" data-id=\"a820017\" 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 convention IRSI n&rsquo;a pas admis le principe de la solidarit\u00e9 entre les assureurs responsables ce qui permet, lorsque cette solidarit\u00e9 s&rsquo;applique de pr\u00e9senter son recours aupr\u00e8s d&rsquo;un assureur responsable, \u00e0 charge pour lui ensuite de r\u00e9cup\u00e9rer la quote-part ou les quotes-parts aupr\u00e8s de l&rsquo;autre ou des autres assureurs responsables.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3d11d5 e-flex e-con-boxed e-con e-child\" data-id=\"b3d11d5\" 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-17f71370 e-flex e-con-boxed e-con e-child\" data-id=\"17f71370\" 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-2cb7065a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2cb7065a\" 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-7e16a16d elementor-widget elementor-widget-heading\" data-id=\"7e16a16d\" 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-400b6909 e-flex e-con-boxed e-con e-child\" data-id=\"400b6909\" 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-3c5317a6 elementor-widget elementor-widget-spacer\" data-id=\"3c5317a6\" 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-55d15b1 elementor-widget elementor-widget-text-editor\" data-id=\"55d15b1\" 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>Un d\u00e9g\u00e2t des eaux endommage l&rsquo;appartement d&rsquo;un assur\u00e9 copropri\u00e9taire occupant. Ses dommages mat\u00e9riels et frais aff\u00e9rents ont \u00e9t\u00e9 chiffr\u00e9s par expertise pour compte commun de la fa\u00e7on suivante :<\/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-ffeec79 elementor-widget elementor-widget-text-editor\" data-id=\"ffeec79\" 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>Embellissements : 2 200 \u20ac TTC en VAN &#8211; (v\u00e9tust\u00e9 30%) 660 \u20ac = 1 540 \u20ac TTC<\/li><li>PIP : 1 350 \u20ac TTC en VAN &#8211; (v\u00e9tust\u00e9 25%) 337,50 \u20ac = 1 012,50 \u20ac<\/li><li>Frais de d\u00e9molition &#8211; d\u00e9blais : 600 \u20ac<\/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-b95f907 elementor-widget elementor-widget-text-editor\" data-id=\"b95f907\" 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;expert a relev\u00e9 que les dommages proviennent de 2 causes :<\/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-5cfbeaa elementor-widget elementor-widget-text-editor\" data-id=\"5cfbeaa\" 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>Un engorgement d&rsquo;une canalisation provoqu\u00e9 par l&rsquo;introduction d&rsquo;un objet dans l&rsquo;appartement d&rsquo;un voisin copropri\u00e9taire occupant assur\u00e9 GAN : cause qui engage la responsabilit\u00e9 du copropri\u00e9taire occupant.<\/li><li>Une fuite sur la canalisation collective des eaux us\u00e9es : cause qui engage la responsabilit\u00e9 du syndicat des copropri\u00e9taires assur\u00e9 par le contrat de la copropri\u00e9t\u00e9 aupr\u00e8s de ALLIANZ<\/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-94f52c0 elementor-widget elementor-widget-text-editor\" data-id=\"94f52c0\" 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;assureur gestionnaire r\u00e8glera<\/strong> \u00e0 son assur\u00e9 : 2 200 \u20ac en VAN + 1 350 \u20ac en VAN + 600 \u20ac sur frais r\u00e9els = 4 150 \u20ac.<\/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-cfb0be8 elementor-widget elementor-widget-text-editor\" data-id=\"cfb0be8\" 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>Le recours \u00e0 effectuer <\/b>s&rsquo;\u00e9tablit de la fa\u00e7on suivante : 1 540 \u20ac v\u00e9tust\u00e9 d\u00e9duite + 1 012,50 \u20ac v\u00e9tust\u00e9 d\u00e9duite + 600 \u20ac sur frais r\u00e9el = 3 152,50 \u20ac dont :<\/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-7990ddb elementor-widget elementor-widget-text-editor\" data-id=\"7990ddb\" 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>Recours de 1 576,25 \u20ac aupr\u00e8s de l&rsquo;assureur GAN.<\/li><li>Recours de 1 576,25 aupr\u00e8s de l&rsquo;assureur ALLIANZ.<\/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<div class=\"elementor-element elementor-element-2951c15 elementor-widget elementor-widget-heading\" data-id=\"2951c15\" 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\">Recours pour les frais de recherche de fuite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-630b918 elementor-widget elementor-widget-heading\" data-id=\"630b918\" 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\">Principe<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59cd644 elementor-widget elementor-widget-text-editor\" data-id=\"59cd644\" 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>Frais de recherche de fuite pris en charge par l&rsquo;assureur gestionnaire<\/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-d1afb8e elementor-widget elementor-widget-text-editor\" data-id=\"d1afb8e\" 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>Les frais de recherche de fuite sont compris dans l&rsquo;assiette servant \u00e0 la d\u00e9termination de la Tranche 1 ou 2 :<\/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-bf6be4a elementor-widget elementor-widget-text-editor\" data-id=\"bf6be4a\" 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>Les frais de recherche de fuite sont compris dans l&rsquo;assiette servant \u00e0 la d\u00e9termination de la Tranche 1 ou 2 :<\/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-31bdaa6 elementor-widget elementor-widget-text-editor\" data-id=\"31bdaa6\" 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>Tranche 1 \u27a1\ufe0f abandon de recours<\/strong><\/li><li><strong> Tranche 2 \u27a1\ufe0f recours<\/strong><\/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-f329aaf elementor-widget elementor-widget-text-editor\" data-id=\"f329aaf\" 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>Frais de recherche de fuite pris en charge par un autre assureur que l&rsquo;assureur gestionnaire<\/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-86af858 elementor-widget elementor-widget-text-editor\" data-id=\"86af858\" 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>Il est consid\u00e9r\u00e9 comme un assureur autre que l&rsquo;assureur gestionnaire, l&rsquo;assureur qui n&rsquo;a pas d&rsquo;assiette de dommages \u00e0 faire valoir, c&rsquo;est \u00e0 dire qui a seulement une facture de recherche de fuite.<\/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-885566a elementor-widget elementor-widget-text-editor\" data-id=\"885566a\" 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>Frais de recherche de fuite inf\u00e9rieur \u00e0 1 600 \u20ac HT \u27a1\ufe0f abandon de recours<\/strong><\/li><li><strong>Frais de recherche de fuite sup\u00e9rieur \u00e0 1 600 \u20ac HT \u27a1\ufe0f recours possible \u00e0 l&rsquo;encontre de l&rsquo;assureur du responsable conventionnel. <\/strong><\/li><\/ul><p><strong>Le recours s&rsquo;exerce :<\/strong><\/p><p>\u2714\ufe0f Sur la base de la facture et des \u00e9l\u00e9ments relatifs \u00e0 la cause et aux circonstances (rapport de recherche de fuite&#8230;)<\/p><p>\u2714\ufe0f En application du bar\u00e8me conventionnel figurant en <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/lintegralite-de-la-convention-irsi-en-pdf\/\"><strong>ANNEXE 1 de la convention IRSI<\/strong><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f75896 e-flex e-con-boxed e-con e-child\" data-id=\"5f75896\" 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-7a7e9ec e-flex e-con-boxed e-con e-child\" data-id=\"7a7e9ec\" 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-cd086dd elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cd086dd\" 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-7037d78 elementor-widget elementor-widget-heading\" data-id=\"7037d78\" 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 1<\/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-fd2cbe8 e-flex e-con-boxed e-con e-child\" data-id=\"fd2cbe8\" 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-9160f23 elementor-widget elementor-widget-spacer\" data-id=\"9160f23\" 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-a8fdcd8 elementor-widget elementor-widget-text-editor\" data-id=\"a8fdcd8\" 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>Un locataire de copropri\u00e9taire est inform\u00e9 par son voisin de l&rsquo;appartement situ\u00e9 \u00e0 l&rsquo;\u00e9tage inf\u00e9rieur que de l&rsquo;eau appara\u00eet au plafond de sa cuisine. Il fait intervenir un plombier.<\/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-b77ba51 elementor-widget elementor-widget-text-editor\" data-id=\"b77ba51\" 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>La cause provient d&rsquo;une canalisation privative encastr\u00e9e dans un coffrage. La canalisation est accessible par une trappe ce qui n&rsquo;a pas n\u00e9cessit\u00e9 de destruction du coffrage.<\/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-068dfc3 elementor-widget elementor-widget-text-editor\" data-id=\"068dfc3\" 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>La facture de la recherche de fuite s&rsquo;\u00e9l\u00e8ve \u00e0 750 \u20ac comprenant :<\/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-b70fd60 elementor-widget elementor-widget-text-editor\" data-id=\"b70fd60\" 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>Les investigations pour 600 \u20ac<\/strong><\/li><li><strong>La r\u00e9paration de la canalisation pour 150\u00a0 \u20ac<\/strong><\/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-937df04 elementor-widget elementor-widget-text-editor\" data-id=\"937df04\" 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>Il n&rsquo;y a pas de dommages dans l&rsquo;appartement du locataire, mais de l&rsquo;eau s&rsquo;est infiltr\u00e9e dans l&rsquo;appartement du voisin situ\u00e9 \u00e0 l&rsquo;\u00e9tage inf\u00e9rieur.<\/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-14c30a6 elementor-widget elementor-widget-text-editor\" data-id=\"14c30a6\" 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>Le locataire adresse la facture de recherche de fuite \u00e0 son assureur personnel (MRH) qui l&rsquo;indemnisera de 600 \u20ac.<\/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-5ca50c6 elementor-widget elementor-widget-text-editor\" data-id=\"5ca50c6\" 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 150 \u20ac de r\u00e9paration ne font pas partie de la recherche de fuite et devront \u00eatre pris en charge par le bailleur ou son assureur si le contrat PNO pr\u00e9voit une extension sur la prise en charge des r\u00e9parations des canalisations.<\/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-f2a8f03 elementor-widget elementor-widget-text-editor\" data-id=\"f2a8f03\" 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;assureur du locataire est priv\u00e9 d&rsquo;un recours malgr\u00e9 que la cause engage la responsabilit\u00e9 du bailleur de son assur\u00e9. En effet, il n&rsquo;est pas assureur gestionnaire (pas de local sinistr\u00e9) et la facture est inf\u00e9rieur \u00e0 1 600 \u20ac.<\/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<div class=\"elementor-element elementor-element-3989f97f e-flex e-con-boxed e-con e-child\" data-id=\"3989f97f\" 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-615973ad e-flex e-con-boxed e-con e-child\" data-id=\"615973ad\" 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-10b654ec elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"10b654ec\" 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-51beafe3 elementor-widget elementor-widget-heading\" data-id=\"51beafe3\" 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 2<\/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-1c2cbbac e-flex e-con-boxed e-con e-child\" data-id=\"1c2cbbac\" 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-72b7d8fa elementor-widget elementor-widget-spacer\" data-id=\"72b7d8fa\" 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-447e0559 elementor-widget elementor-widget-text-editor\" data-id=\"447e0559\" 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>Un syndic fait intervenir un plombier afin de proc\u00e9der \u00e0 une recherche de fuite suite \u00e0 un \u00e9coulement d&rsquo;eau dans les parties communes de l&rsquo;immeuble.<\/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-d7ad102 elementor-widget elementor-widget-text-editor\" data-id=\"d7ad102\" 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>La recherche de fuite met en \u00e9vidence que la cause provient d&rsquo;une canalisation privative d&rsquo;un copropri\u00e9taire.<\/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-8837927 elementor-widget elementor-widget-text-editor\" data-id=\"8837927\" 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>La facture de recherche de fuite s&rsquo;\u00e9l\u00e8ve \u00e0 450 \u20ac et les dommages dans les parties communes \u00e0 1 500 \u20ac.<\/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-1eded73 elementor-widget elementor-widget-text-editor\" data-id=\"1eded73\" 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>Si le syndic ne met pas la facture \u00e0 la charge du copropri\u00e9taire, les dommages mat\u00e9riels s&rsquo;\u00e9l\u00e8vent \u00e0 1 950 \u20ac et rel\u00e8vent donc de la Tranche 2. Ces dommages seront pris en charge par l&rsquo;assureur de la copropri\u00e9t\u00e9 pour le syndicat des copropri\u00e9taires.<\/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-a726fda elementor-widget elementor-widget-text-editor\" data-id=\"a726fda\" 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;assureur de la copropri\u00e9t\u00e9 pourra effectuer un recours aupr\u00e8s de l&rsquo;assureur du copropri\u00e9taire conventionnellement responsable.<\/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-f379725 elementor-widget elementor-widget-text-editor\" data-id=\"f379725\" 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>Si le syndic met la facture \u00e0 la charge du copropri\u00e9taire, ce dernier se fera r\u00e9gler par son assureur personnel.<\/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-bc91ac8 elementor-widget elementor-widget-text-editor\" data-id=\"bc91ac8\" 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>Mais, dans ce cas les dommages mat\u00e9riels dans les parties communes d&rsquo;un montant de 1 500 \u20ac rel\u00e8vent de la Tranche 1 et donc sans possibilit\u00e9 de recours.<\/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-d004cf1 elementor-widget elementor-widget-heading\" data-id=\"d004cf1\" 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\">Recours pour les dommages immat\u00e9riels cons\u00e9cutifs aux dommages mat\u00e9riels<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb17162 elementor-widget elementor-widget-heading\" data-id=\"bb17162\" 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\">Principe<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afcb1d0 elementor-widget elementor-widget-text-editor\" data-id=\"afcb1d0\" 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>Les dommages immat\u00e9riels cons\u00e9cutifs aux dommages mat\u00e9riels peuvent faire l&rsquo;objet d&rsquo;un recours au premier \u20ac tant pour les sinistres de Tranche 1 que de Tranche 2.<\/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-225aaff elementor-widget elementor-widget-text-editor\" data-id=\"225aaff\" 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>Ces dommages ne sont pas int\u00e9gr\u00e9s dans l&rsquo;assiette servant \u00e0 la d\u00e9termination de la Tranche, mais font l&rsquo;objet d&rsquo;une prise en charge par l&rsquo;assureur gestionnaire dans la limite de son contrat.<\/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-4a8246d elementor-widget elementor-widget-text-editor\" data-id=\"4a8246d\" 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>En effet, \u00e0 la suite d&rsquo;un sinistre DDE ou Incendie, un assur\u00e9 peut avoir des pr\u00e9judices qui ne sont pas pr\u00e9vus dans les dommages mat\u00e9riels ou les frais aff\u00e9rents. Par exemple, perte d&rsquo;usage de l&rsquo;appartement, frais de relogement, garde meuble, perte d&rsquo;exploitation&#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-967da45 elementor-widget elementor-widget-text-editor\" data-id=\"967da45\" 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>D\u00e8s lors que ces frais sont justifi\u00e9s et cons\u00e9cutifs \u00e0 des dommages mat\u00e9riels, l&rsquo;assureur gestionnaire v\u00e9rifiera s&rsquo;ils sont garantis au contrat et n&rsquo;interviendra que dans la limite de ce que pr\u00e9voit le contrat.<\/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-13761c0 elementor-widget elementor-widget-text-editor\" data-id=\"13761c0\" 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 pourra \u00eatre amen\u00e9 \u00e0 r\u00e9gler des dommages immat\u00e9riels pr\u00e9vus au contrat mais qui n&rsquo;ouvrent pas droit \u00e0 recours : par exemple, privation de jouissance (impossibilit\u00e9 pour un locataire d&rsquo;occuper partiellement ou totalement son logement), non pr\u00e9vu dans la liste des dommages immat\u00e9riels ouvrant droit \u00e0 son recours dans le cadre de l&rsquo;IRSI.<\/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-ec27675 elementor-widget elementor-widget-heading\" data-id=\"ec27675\" 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\">Modalit\u00e9s de pr\u00e9sentation des recours<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f248e07 elementor-widget elementor-widget-text-editor\" data-id=\"f248e07\" 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>Les dommages immat\u00e9riels ouvrant droit \u00e0 recours sont ceux limitativement \u00e9num\u00e9r\u00e9s en <b><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/lintegralite-de-la-convention-irsi-en-pdf\/\">ANNEXE 2 de la convention IRSI<\/a>\u00a0:<\/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-6bdce3b elementor-widget elementor-widget-text-editor\" data-id=\"6bdce3b\" 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>\u2705 Frais de garde meuble<\/p><p>\u2705 Frais de relogement<\/p><p>\u2705 Perte d&rsquo;usage des locaux<\/p><p>\u2705 Perte de loyers<\/p><p>\u2705 Frais d&rsquo;huissier<\/p><p>\u2705 Frais de reconstitution d&rsquo;archives<\/p><p>\u2705 Pertes d&rsquo;exploitation<\/p><p>\u2705 Frais de gardiennage<\/p><p>\u2705 Honoraires de ma\u00eetrise d&rsquo;\u0153uvre\u00a0<\/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-ee31aca elementor-widget elementor-widget-text-editor\" data-id=\"ee31aca\" 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>Le recours s&rsquo;exerce, comme pour les dommages mat\u00e9riels et les frais aff\u00e9rents, en application du bar\u00e8me de r\u00e9partition figurant en <a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/lintegralite-de-la-convention-irsi-en-pdf\/\"><strong>ANNEXE 1 de la convention IRSI<\/strong><\/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-157bec2 elementor-widget elementor-widget-text-editor\" data-id=\"157bec2\" 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>Si le montant des dommages immat\u00e9riels est :<\/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-0f4ec43 elementor-widget elementor-widget-text-editor\" data-id=\"0f4ec43\" 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>Inf\u00e9rieur \u00e0 5 000 \u20ac HT \u27a1\ufe0f <\/strong>le recours s&rsquo;exerce sur la base du rapport d&rsquo;expertise pour compte commun et du cas du bar\u00e8me retenu par l&rsquo;expert<\/li><li><strong>Sup\u00e9rieur \u00e0 5 000 \u20ac HT<\/strong> \u27a1\ufe0f le recours s&rsquo;exerce sur la base d&rsquo;un rapport d&rsquo;expertise amiable et contradictoire qui portera uniquement sur le chiffrage des dommages immat\u00e9riels.<\/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-41e6cfd e-flex e-con-boxed e-con e-child\" data-id=\"41e6cfd\" 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-10b05deb e-flex e-con-boxed e-con e-child\" data-id=\"10b05deb\" 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-63ba388c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"63ba388c\" 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-7eadbc9 elementor-widget elementor-widget-heading\" data-id=\"7eadbc9\" 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-571dda0a e-flex e-con-boxed e-con e-child\" data-id=\"571dda0a\" 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-73010f2b elementor-widget elementor-widget-spacer\" data-id=\"73010f2b\" 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-1581e0cc elementor-widget elementor-widget-text-editor\" data-id=\"1581e0cc\" 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>Un local commercial situ\u00e9 au rez de chaus\u00e9e d&rsquo;un immuble en copropri\u00e9t\u00e9 subit un d\u00e9g\u00e2t des eaux provenant de l&rsquo;appartement situ\u00e9 au 1er \u00e9tage : d\u00e9bordement d&rsquo;appareil \u00e0 effet d&rsquo;eau.<\/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-6a7e98b elementor-widget elementor-widget-text-editor\" data-id=\"6a7e98b\" 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 dommages sont \u00e9valu\u00e9s par l&rsquo;assureur gestionnaire du local sinistr\u00e9, de la fa\u00e7on suivante :<\/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-2ae46b8 elementor-widget elementor-widget-text-editor\" data-id=\"2ae46b8\" 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>Contenu \u27a1\ufe0f 400 \u20ac<\/strong><\/li><li><strong>Embellissements \u27a1\ufe0f 500 \u20ac<\/strong><\/li><li><strong>PIP \u27a1\ufe0f 500 \u20ac<\/strong><\/li><li><strong>Perte d&rsquo;exploitation \u27a1\ufe0f 700 \u20ac<\/strong><\/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-66afa43 elementor-widget elementor-widget-text-editor\" data-id=\"66afa43\" 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 dommages mat\u00e9riels et frais aff\u00e9rents s&rsquo;\u00e9l\u00e8vent en HT \u00e0 400 + 500 + 500 = 1 400 \u20ac et rel\u00e8vent donc de la Tranche 1. L&rsquo;assureur r\u00e8glera et renoncera \u00e0 son recours pour ces dommages compris dans l&rsquo;assiette.<\/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-4fab3b1 elementor-widget elementor-widget-text-editor\" data-id=\"4fab3b1\" 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 la perte d&rsquo;exploitation, l&rsquo;assureur v\u00e9rifiera si ce poste de pr\u00e9judice est garanti par le contrat, dans quelle limite et s&rsquo;il fait partie des dommages immat\u00e9riels ouvrant droit \u00e0 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-1328585 elementor-widget elementor-widget-text-editor\" data-id=\"1328585\" 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>Si garanti, il devra faire proc\u00e9der \u00e0 une expertise pour compte commun pour pouvoir ensuite pr\u00e9senter son recours au premier \u20ac.<\/strong><\/li><li><strong>Si non garanti, l&rsquo;assureur gestionnaire n&rsquo;interviendra pas pour ce poste de pr\u00e9judice.<\/strong><\/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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La convention IRSI (Indemnisation et Recours des Sinistres Immeuble) est une convention fran\u00e7aise qui vise \u00e0 simplifier et harmoniser le processus d&rsquo;indemnisation et de gestion des sinistres dans les immeubles collectifs (comme les copropri\u00e9t\u00e9s). La majorit\u00e9 des recours concerne le sinistre le plus fr\u00e9quent et le plus r\u00e9pandu dans les immeubles, c&rsquo;est-\u00e0-dire le d\u00e9g\u00e2t des [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11506,"parent":17,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10963","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les recours selon la convention IRSI - Watio<\/title>\n<meta name=\"description\" content=\"Lors d&#039;un d\u00e9g\u00e2t des eaux, selon les montants des dommages et la nature du sinistre, des recours entre assureurs peuvent avoir lieu.\" \/>\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\/les-recours-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=\"Les recours selon la convention IRSI - Watio\" \/>\n<meta property=\"og:description\" content=\"Lors d&#039;un d\u00e9g\u00e2t des eaux, selon les montants des dommages et la nature du sinistre, des recours entre assureurs peuvent avoir lieu.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/\" \/>\n<meta property=\"og:site_name\" content=\"Watio\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.watio.fr\/guide\/wp-content\/uploads\/2024\/07\/Les-recours-selon-la-convention-IRSI_WATIO_1200x800.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/les-recours-selon-la-convention-irsi\\\/\",\"url\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/les-recours-selon-la-convention-irsi\\\/\",\"name\":\"Les recours selon la convention IRSI - Watio\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/les-recours-selon-la-convention-irsi\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/les-recours-selon-la-convention-irsi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Les-recours-selon-la-convention-IRSI_WATIO_1200x800.png\",\"datePublished\":\"2024-08-02T11:15:05+00:00\",\"description\":\"Lors d'un d\u00e9g\u00e2t des eaux, selon les montants des dommages et la nature du sinistre, des recours entre assureurs peuvent avoir lieu.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/les-recours-selon-la-convention-irsi\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/les-recours-selon-la-convention-irsi\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/les-recours-selon-la-convention-irsi\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Les-recours-selon-la-convention-IRSI_WATIO_1200x800.png\",\"contentUrl\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Les-recours-selon-la-convention-IRSI_WATIO_1200x800.png\",\"width\":1200,\"height\":800,\"caption\":\"Les recours selon la convention IRSI_WATIO\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/les-recours-selon-la-convention-irsi\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Centre d&rsquo;aide\",\"item\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"La gestion du d\u00e9g\u00e2t des eaux en copropri\u00e9t\u00e9\",\"item\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/centre-daide\\\/la-gestion-du-degat-des-eaux-en-copropriete\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Les recours selon la convention IRSI\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/#website\",\"url\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/\",\"name\":\"Watio\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/#organization\",\"name\":\"Watio\",\"url\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/watio.png\",\"contentUrl\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/watio.png\",\"width\":1920,\"height\":1080,\"caption\":\"Watio\"},\"image\":{\"@id\":\"https:\\\/\\\/www.watio.fr\\\/guide\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/watio\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Les recours selon la convention IRSI - Watio","description":"Lors d'un d\u00e9g\u00e2t des eaux, selon les montants des dommages et la nature du sinistre, des recours entre assureurs peuvent avoir lieu.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/","og_locale":"fr_FR","og_type":"article","og_title":"Les recours selon la convention IRSI - Watio","og_description":"Lors d'un d\u00e9g\u00e2t des eaux, selon les montants des dommages et la nature du sinistre, des recours entre assureurs peuvent avoir lieu.","og_url":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/","og_site_name":"Watio","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.watio.fr\/guide\/wp-content\/uploads\/2024\/07\/Les-recours-selon-la-convention-IRSI_WATIO_1200x800.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/","url":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/","name":"Les recours selon la convention IRSI - Watio","isPartOf":{"@id":"https:\/\/www.watio.fr\/guide\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/#primaryimage"},"image":{"@id":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/#primaryimage"},"thumbnailUrl":"https:\/\/www.watio.fr\/guide\/wp-content\/uploads\/2024\/07\/Les-recours-selon-la-convention-IRSI_WATIO_1200x800.png","datePublished":"2024-08-02T11:15:05+00:00","description":"Lors d'un d\u00e9g\u00e2t des eaux, selon les montants des dommages et la nature du sinistre, des recours entre assureurs peuvent avoir lieu.","breadcrumb":{"@id":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/#primaryimage","url":"https:\/\/www.watio.fr\/guide\/wp-content\/uploads\/2024\/07\/Les-recours-selon-la-convention-IRSI_WATIO_1200x800.png","contentUrl":"https:\/\/www.watio.fr\/guide\/wp-content\/uploads\/2024\/07\/Les-recours-selon-la-convention-IRSI_WATIO_1200x800.png","width":1200,"height":800,"caption":"Les recours selon la convention IRSI_WATIO"},{"@type":"BreadcrumbList","@id":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/les-recours-selon-la-convention-irsi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.watio.fr\/guide\/"},{"@type":"ListItem","position":2,"name":"Centre d&rsquo;aide","item":"https:\/\/www.watio.fr\/guide\/"},{"@type":"ListItem","position":3,"name":"La gestion du d\u00e9g\u00e2t des eaux en copropri\u00e9t\u00e9","item":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-degat-des-eaux-en-copropriete\/"},{"@type":"ListItem","position":4,"name":"Les recours selon la convention IRSI"}]},{"@type":"WebSite","@id":"https:\/\/www.watio.fr\/guide\/#website","url":"https:\/\/www.watio.fr\/guide\/","name":"Watio","description":"","publisher":{"@id":"https:\/\/www.watio.fr\/guide\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.watio.fr\/guide\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.watio.fr\/guide\/#organization","name":"Watio","url":"https:\/\/www.watio.fr\/guide\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.watio.fr\/guide\/#\/schema\/logo\/image\/","url":"https:\/\/www.watio.fr\/guide\/wp-content\/uploads\/2024\/01\/watio.png","contentUrl":"https:\/\/www.watio.fr\/guide\/wp-content\/uploads\/2024\/01\/watio.png","width":1920,"height":1080,"caption":"Watio"},"image":{"@id":"https:\/\/www.watio.fr\/guide\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/watio\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/pages\/10963","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/comments?post=10963"}],"version-history":[{"count":287,"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/pages\/10963\/revisions"}],"predecessor-version":[{"id":11507,"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/pages\/10963\/revisions\/11507"}],"up":[{"embeddable":true,"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/pages\/17"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/media\/11506"}],"wp:attachment":[{"href":"https:\/\/www.watio.fr\/guide\/wp-json\/wp\/v2\/media?parent=10963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}