{"id":604,"date":"2024-01-22T13:15:59","date_gmt":"2024-01-22T12:15:59","guid":{"rendered":"https:\/\/www.watio.fr\/guide\/?page_id=604"},"modified":"2024-05-08T15:21:32","modified_gmt":"2024-05-08T13:21:32","slug":"que-couvre-vraiment-votre-assurance-habitation-decryptage-de-la-garantie-degats-des-eaux","status":"publish","type":"page","link":"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-sinistre-de-degat-des-eaux\/que-couvre-vraiment-votre-assurance-habitation-decryptage-de-la-garantie-degats-des-eaux\/","title":{"rendered":"Que couvre vraiment votre assurance habitation : d\u00e9cryptage de la garantie d\u00e9g\u00e2ts des eaux"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"604\" class=\"elementor elementor-604\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30cb12a3 e-con-full e-flex e-con e-parent\" data-id=\"30cb12a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2a807228 e-flex e-con-boxed e-con e-child\" data-id=\"2a807228\" 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-42fd51bc elementor-widget elementor-widget-heading\" data-id=\"42fd51bc\" 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 garantie d\u00e9g\u00e2t des eaux est une des garanties obligatoires de l\u2019assurance multirisque habitation. Elle couvre les dommages cons\u00e9cutifs \u00e0 une action de l\u2019eau, hors inondation : fuite, d\u00e9bordement, infiltration.\n<\/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-5d967b67 elementor-widget elementor-widget-heading\" data-id=\"5d967b67\" 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\">Quelles sont les couvertures de la garantie d\u00e9g\u00e2t des eaux ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c895dc elementor-widget elementor-widget-heading\" data-id=\"7c895dc\" 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 risques couverts par la garantie d\u00e9g\u00e2t des eaux\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d4be8ca elementor-widget elementor-widget-text-editor\" data-id=\"4d4be8ca\" 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>Votre <b>contrat<\/b> explique dans quels cas votre <b>garantie <\/b>d\u00e9g\u00e2t des eaux <b>s\u2019applique<\/b>.<\/p>\n<p>\u2192 Vous pouvez la solliciter dans les <b>cas suivants<\/b> :<\/p>\n<ul>\n<li><b>Fuite<\/b>, <b>rupture <\/b>ou <b>d\u00e9bordement <\/b>de canalisations non enterr\u00e9es<\/li>\n<li><b>Fuite <\/b>ou <b>d\u00e9bordement <\/b>d\u2019un radiateur, d\u2019un appareil \u00e9lectrom\u00e9nager (type machine \u00e0 laver) ou d\u2019un appareil sanitaire (baignoire, lavabo, etc.)<\/li>\n<li><b>D\u00e9bordement <\/b>de vos goutti\u00e8res<\/li>\n<li><b>Infiltration <\/b>d\u2019eau sous votre toit<\/li>\n<li>Les <b>infiltrations <\/b>d\u2019eau via les toitures, les terrasses et les fa\u00e7ades<\/li>\n<li>Les <b>infiltrations <\/b>d\u2019eau via les joints d\u2019\u00e9tanch\u00e9it\u00e9 au pourtour des installations sanitaires<\/li>\n<li>Les <b>infiltrations <\/b>d\u2019eau par les ouvertures tels que les fen\u00eatres, portes ou ciels vitr\u00e9s.<\/li>\n<\/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-4d0a7b3 elementor-widget elementor-widget-heading\" data-id=\"4d0a7b3\" 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\">Quels sont les biens assur\u00e9s en cas de d\u00e9g\u00e2t des eaux ?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-129ad3c5 elementor-widget elementor-widget-text-editor\" data-id=\"129ad3c5\" 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 biens <b>mobiliers <\/b>et <b>immobiliers <\/b>sont couverts par votre contrat multirisque habitation en cas de <b>d\u00e9g\u00e2t des eaux<\/b>. Si votre d\u00e9g\u00e2t des eaux a caus\u00e9 du tort \u00e0 une <b>tierce <\/b>personne (votre <b>voisin <\/b>par exemple), c\u2019est votre <b>responsabilit\u00e9 <\/b>civile qui est sollicit\u00e9e pour les <b>d\u00e9dommagements<\/b>. Voici la liste des bien assur\u00e9s :<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2705.svg\" alt=\"\u2705\" \/><strong>Votre logement ainsi que sa structure :<\/strong>\u00a0\u00e0 la suite d\u2019un d\u00e9g\u00e2t des eaux touchant les plafonds, planchers, murs. Ils peuvent \u00eatre endommag\u00e9s par l\u2019eau et leur r\u00e9paration sera donc couverte<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2705.svg\" alt=\"\u2705\" \/><strong>Les embellissements de votre logement<\/strong>\u00a0(peinture, d\u00e9coration, \u00e9l\u00e9ments de cuisine, etc.)<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2705.svg\" alt=\"\u2705\" \/><strong>Votre mobilier<\/strong>\u00a0(comprenant vos appareils \u00e9lectrom\u00e9nagers)<\/p><p><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/2705.svg\" alt=\"\u2705\" \/><strong>Vos v\u00eatements<\/strong><\/p><p>A noter \u00e9galement que la \u00ab\u00a0<strong>privation de jouissance<\/strong>\u00a0\u00bb est couverte. Il s\u2019agit du pr\u00e9judice caus\u00e9 par le fait de ne pas pouvoir occuper son logement tant que les dommages ne sont pas r\u00e9par\u00e9s<\/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-604aa988 elementor-widget elementor-widget-heading\" data-id=\"604aa988\" 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\">Qu\u2019est ce qui est exclu de la garantie d\u00e9g\u00e2t des eaux ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3175c9 elementor-widget elementor-widget-heading\" data-id=\"f3175c9\" 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\">\u274cD\u00e9g\u00e2t des eaux suite \u00e0 un d\u00e9faut d\u2019entretien ou de construction\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7deaf223 elementor-widget elementor-widget-text-editor\" data-id=\"7deaf223\" 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 vous <b>entretenez mal votre toiture<\/b>, vos <b>fen\u00eatres <\/b>ou votre <b>machine \u00e0 lave<\/b>r \u00e0 l\u2019origine du sinistre vous risquez de ne <b>pas \u00eatre couvert<\/b> en cas de d\u00e9g\u00e2t des eaux.<\/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-3a6cc972 elementor-widget elementor-widget-heading\" data-id=\"3a6cc972\" 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\">\u274c D\u00e9g\u00e2t des eaux provoqu\u00e9 par la n\u00e9gligence de l\u2019assur\u00e9\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c33027e elementor-widget elementor-widget-text-editor\" data-id=\"2c33027e\" 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 vous avez laiss\u00e9 la <b>fen\u00eatre ouverte<\/b> et que de l\u2019eau s\u2019est <b>engouffr\u00e9 <\/b>provoquant un d\u00e9g\u00e2t des eaux, vous risquez de ne pas \u00eatre <b>couvert<\/b>.<\/p><p>De m\u00eame si, suite \u00e0 un <b>premier <\/b>accident, les <b>r\u00e9parations <\/b>n\u2019ont pas \u00e9t\u00e9 faites, vous ne serez pas <b>couvert<\/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-77c54028 elementor-widget elementor-widget-heading\" data-id=\"77c54028\" 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\">\u274c D\u00e9g\u00e2t des eaux r\u00e9sultant d\u2019\u00e9v\u00e9nements climatiques et naturels\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ce45320 elementor-widget elementor-widget-text-editor\" data-id=\"4ce45320\" 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 des cas tels que l\u2019action de la <b>mar\u00e9e <\/b>ou le <b>gel <\/b>de la chaudi\u00e8re, vous n\u2019\u00eates pas couvert par la <b>garantie <\/b>d\u00e9g\u00e2t des eaux. C\u2019est la garantie \u00ab\u00a0<b>catastrophe naturelle<\/b>\u00a0\u00bb qui prend le relais.<\/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-106d12de elementor-widget elementor-widget-heading\" data-id=\"106d12de\" 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\">\u274c Les dommages issus de l\u2019humidit\u00e9, de la condensation ou de la porosit\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5beda72c elementor-widget elementor-widget-text-editor\" data-id=\"5beda72c\" 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 g\u00e9n\u00e9ral, ils ne sont <b>pas couverts <\/b>pas la garantie d\u00e9g\u00e2t des eaux.<\/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-a6bdf0e elementor-widget elementor-widget-heading\" data-id=\"a6bdf0e\" 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\">\u274c La surconsommation d\u2019eau caus\u00e9e par la fuite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1766f91 elementor-widget elementor-widget-text-editor\" data-id=\"1766f91\" 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 n\u2019est g\u00e9n\u00e9ralement <b>pas couvert<\/b> par l\u2019assurance.<\/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-6cc0a84 elementor-widget elementor-widget-heading\" data-id=\"6cc0a84\" 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\">Comment \u00eatre rembours\u00e9 suite \u00e0 un d\u00e9g\u00e2t des eaux ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b426456 elementor-widget elementor-widget-heading\" data-id=\"b426456\" 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\">1) Pr\u00e9venez vite votre assureur !<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4808c22 elementor-widget elementor-widget-text-editor\" data-id=\"4808c22\" 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>Apr\u00e8s avoir <b>constat\u00e9 <\/b>le sinistre, vous avez\u00a0<strong>5 jours ouvr\u00e9s<\/strong>\u00a0pour pr\u00e9venir votre assurance d\u00e9g\u00e2t des eaux. La <b>d\u00e9claration <\/b>du sinistre peut se faire par <b>courrier<\/b>, par <b>t\u00e9l\u00e9phone,\u00a0<\/b>en <b>ligne <\/b>si l\u2019assureur propose ce type de service digital. De m\u00eame, si le sinistre touche un autre logement, vous devez \u00e9tablir un constat amiable de d\u00e9g\u00e2t des eaux avec la personne touch\u00e9e. Pour remplir votre constat amiable de d\u00e9g\u00e2t des eaux en ligne, pensez \u00e0 la solution\u00a0<strong><a href=\"http:\/\/watio.fr\/\">WATIO<\/a><\/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-e8afdb8 elementor-widget elementor-widget-heading\" data-id=\"e8afdb8\" 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\">2) Enrichissez votre dossier de photos, de factures, etc.\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d78686 elementor-widget elementor-widget-text-editor\" data-id=\"4d78686\" 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>Plus vous pouvez <b>fournir <\/b>de <b>photos <\/b>et de <b>factures <\/b>des biens <b>endommag\u00e9s<\/b>, mieux vous serez <b>rembours\u00e9<\/b>.<\/p><p>En cas de dommages <b>importants<\/b>, une\u00a0<b><a href=\"https:\/\/www.watio.fr\/guide\/centre-daide\/la-gestion-du-sinistre-de-degat-des-eaux\/cest-quoi-une-expertise-dassurance-de-degat-des-eaux\/\">expertise d\u2019assurance de d\u00e9g\u00e2t des eaux<\/a><\/b>\u00a0peut \u00eatre men\u00e9e chez vous pour <b>constater <\/b>les d\u00e9g\u00e2ts et <b>chiffrer <\/b>le montant des <b>remboursements<\/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-9926109 elementor-widget elementor-widget-heading\" data-id=\"9926109\" 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\">3) Suivez bien les consignes de votre assureur\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-467ca89 elementor-widget elementor-widget-text-editor\" data-id=\"467ca89\" 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 assureurs vous invitent \u00e0 bien vous <b>prot\u00e9ger <\/b>des d\u00e9g\u00e2ts des eaux en prenant des mesures <b>sp\u00e9cifiques <\/b>tel que <b>couper <\/b>l\u2019eau avant un d\u00e9part prolong\u00e9. Il faut donc bien respecter ces <b>consignes <\/b>pour \u00eatre le mieux <b>rembours\u00e9 <\/b>possible.<\/p><div class=\"wp-block-uagb-advanced-heading uagb-block-f648f67f\">\u00a0<\/div>\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-773aad2b e-flex e-con-boxed e-con e-child\" data-id=\"773aad2b\" 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-4b806266 e-flex e-con-boxed e-con e-child\" data-id=\"4b806266\" 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-642368ef elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"642368ef\" 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-42d49de5 elementor-widget elementor-widget-heading\" data-id=\"42d49de5\" 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-199c404 e-flex e-con-boxed e-con e-child\" data-id=\"199c404\" 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-118625f9 elementor-widget elementor-widget-spacer\" data-id=\"118625f9\" 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-5bfc200d elementor-widget elementor-widget-text-editor\" data-id=\"5bfc200d\" 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<div class=\"elementor-element elementor-element-c277fbd e-flex e-con-boxed e-con e-child\" data-id=\"c277fbd\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\"><div class=\"e-con-inner\"><div class=\"elementor-element elementor-element-a815505 elementor-widget elementor-widget-text-editor\" data-id=\"a815505\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"wp-block-uagb-advanced-heading uagb-block-f648f67f\"><p><b>Qui r\u00e9pare les biens \u00e0 l\u2019origine du sinistre ?<\/b><\/p><p><b>En g\u00e9n\u00e9ral, la r\u00e9paration du bien \u00e0 l\u2019origine du sinistre n\u2019est pas prise en charge par votre assurance. Seules les cons\u00e9quences le sont.<\/b><\/p><p><b>Ainsi, ce sera \u00e0 vous de r\u00e9parer l\u2019appareil \u00e9lectrom\u00e9nager d\u00e9fectueux ou la canalisation endommag\u00e9e \u00e0 l\u2019origine du sinistre.<\/b><\/p><\/div><\/div><\/div><\/div><\/div>\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La garantie d\u00e9g\u00e2t des eaux est une des garanties obligatoires de l\u2019assurance multirisque habitation. Elle couvre les dommages cons\u00e9cutifs \u00e0 une action de l\u2019eau, hors inondation : fuite, d\u00e9bordement, infiltration. Quelles sont les couvertures de la garantie d\u00e9g\u00e2t des eaux ? Les risques couverts par la garantie d\u00e9g\u00e2t des eaux Votre contrat explique dans quels [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1155,"parent":11,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-604","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>Que couvre vraiment votre assurance habitation : d\u00e9cryptage de la garantie d\u00e9g\u00e2ts des eaux - Watio<\/title>\n<meta name=\"description\" content=\"Vous venez de subir un d\u00e9g\u00e2t des eaux, apprenez \u00e0 comprendre vos garanties et les modalit\u00e9s de remboursement de votre contrat assurance.\" \/>\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-sinistre-de-degat-des-eaux\/que-couvre-vraiment-votre-assurance-habitation-decryptage-de-la-garantie-degats-des-eaux\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Que couvre vraiment votre assurance habitation : d\u00e9cryptage de la garantie d\u00e9g\u00e2ts des eaux - 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