{"id":6789,"date":"2024-05-22T13:15:06","date_gmt":"2024-05-22T11:15:06","guid":{"rendered":"https:\/\/www.watio.fr\/guide\/?page_id=6789"},"modified":"2024-05-08T16:51:15","modified_gmt":"2024-05-08T14:51:15","slug":"mieux-comprender-le-role-et-la-designation-de-lassureur-gestionnaire","status":"publish","type":"page","link":"https:\/\/www.watio.fr\/guide\/centre-daide\/les-professionnels-de-limmobilier-syndic-adb-et-gestionnaire-locatif\/mieux-comprendre-le-role-et-la-designation-de-lassureur-gestionnaire\/","title":{"rendered":"Mieux comprendre le r\u00f4le et la d\u00e9signation de l&rsquo;assureur gestionnaire"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6789\" class=\"elementor elementor-6789\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8246279 e-con-full e-flex e-con e-parent\" data-id=\"8246279\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2300e851 e-flex e-con-boxed e-con e-child\" data-id=\"2300e851\" 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-37472f6d elementor-widget elementor-widget-heading\" data-id=\"37472f6d\" 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\">Le d\u00e9g\u00e2t des eaux en copropri\u00e9t\u00e9 est le plus fr\u00e9quent, peut affecter plusieurs parties privatives mais \u00e9galement des parties communes dont les cons\u00e9quences peuvent \u00eatre dramatiques.\nL'assureur gestionnaire est l'assureur de l'occupant du local sinistr\u00e9 et il y aura autant d'assureurs gestionnaires qu'il y aura de locaux sinistr\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-121148cc elementor-widget elementor-widget-heading\" data-id=\"121148cc\" 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\">D\u00e9signation de l'assureur gestionnaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b5cdd6 elementor-widget elementor-widget-heading\" data-id=\"27b5cdd6\" 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-1d3047e1 elementor-widget elementor-widget-text-editor\" data-id=\"1d3047e1\" 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>Selon le principe d\u00e9crit dans la convention IRSI, l&rsquo;assureur gestionnaire est l&rsquo;assureur de l&rsquo;occupant du local sinistr\u00e9 quelle que soit sa qualit\u00e9 (propri\u00e9taire, copropri\u00e9taire, locataire, occupant \u00e0 titre gratuit), sauf certains exceptions mentionn\u00e9es ci-dessous.<\/p><p><b>Il y aura autant d&rsquo;assureurs gestionnaires qu&rsquo;il y aura de locaux sinistr\u00e9s.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33c2435a elementor-widget elementor-widget-heading\" data-id=\"33c2435a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">D\u00e9signation selon la nature du local sinistr\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30a7254a elementor-widget elementor-widget-text-editor\" data-id=\"30a7254a\" 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 style=\"text-align: center;\">Locaux<b> privatifs sinistr\u00e9s<\/b><\/p><p>L&rsquo;assureur gestionnaire est :<\/p><p>L&rsquo;assureur de l&rsquo;occupant quelle que soit sa qualit\u00e9 (propri\u00e9taire, locataire, occupant \u00e0 titre gratuit).<\/p><p>L&rsquo;assureur du Copropri\u00e9taire Non Occupant (CNO) et du Propri\u00e9taire Non Occupant (PNO) en cas de :<\/p><ul><li>local vacant,<\/li><li>de non-assurance de l&rsquo;occupant,<\/li><li>en cas de location meubl\u00e9e ou saisonni\u00e8re,<\/li><li>ou en cas de cong\u00e9s donn\u00e9s ou re\u00e7us au plus tard au jour du sinistre.<\/li><\/ul><p>L&rsquo;assureur de l&rsquo;immeuble, \u00e0 titre subsidiaire, pour les parties immobili\u00e8res privatives en cas de non assurance du copropri\u00e9taire occupant ou non occupant.<\/p><p style=\"text-align: center;\"><strong>Locaux communs sinistr\u00e9s<\/strong><\/p><p>L&rsquo;assureur gestionnaire : assureur de l&rsquo;immeuble.<\/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-337abfdc elementor-widget elementor-widget-heading\" data-id=\"337abfdc\" 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\">Tableau r\u00e9capitulatif pour les locaux privatifs<\/h2>\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-a2433a0 e-flex e-con-boxed e-con e-parent\" data-id=\"a2433a0\" 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-ba41f13 elementor-widget elementor-widget-html\" data-id=\"ba41f13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"mb-4\">\r\n    <table class=\"MsoTableGrid\" style=\"border-collapse:collapse; border:none\">\r\n        <tbody>\r\n\r\n        <tr>\r\n            <td style=\"border:1px solid black; padding:7px; background-color:#e8f5ff;vertical-align: middle;\">\r\n               <div style=\"text-align:center;font-weight:600;\"> OCCUPATION DU LOCAL PRIVATIF <\/div>\r\n            <\/td>\r\n            <td style=\"border:1px solid black; padding:7px; background-color:#e8f5ff;vertical-align: middle;\">\r\n               <div style=\"text-align:center;font-weight:600;\"> ASSUREUR GESTIONNAIRE <\/div>\r\n            <\/td>\r\n        <\/tr>\r\n         <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                1. Propri\u00e9taire ou Copropri\u00e9taire Occupant assur\u00e9\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur du Propri\u00e9taire ou Copropri\u00e9taire\r\n            <\/td>\r\n        <\/tr>\r\n        <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                2. Copropri\u00e9taire occupant non-assur\u00e9 personnellement\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur de l'immeuble par subsidiarit\u00e9\r\n            <\/td>\r\n        <\/tr>\r\n        <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                3. Occupant non-propri\u00e9taire assur\u00e9\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur de l'occupant non-propri\u00e9taire\r\n            <\/td>\r\n        <\/tr>\r\n        <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                4. Occupant non-propri\u00e9taire et non-assur\u00e9\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur du PNO ou CNO\r\n            <\/td>\r\n        <\/tr>\r\n        <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                5. Occupant non-propri\u00e9taire et non-assur\u00e9 et CNO non-assur\u00e9\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur de l'immeuble par subsidiarit\u00e9\r\n              <\/td>\r\n        <\/tr>\r\n        <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                6. Occupant non-propri\u00e9taire en meubl\u00e9 ou saisonnier et\/ou ayant donn\u00e9 \r\n                ou re\u00e7u cong\u00e9 au plus tard le jour du sinistre\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur du PNO ou CNO\r\n            <\/td>\r\n        <\/tr>\r\n        <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                7. Occupant non-propri\u00e9taire en meubl\u00e9 ou saisonnier et\/ou ayant donn\u00e9 \r\n                ou re\u00e7u cong\u00e9 au plus tard le jour du sinistre + CNO non-assur\u00e9 personnellement\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur de l'immeuble par subsidiarit\u00e9\r\n            <\/td>\r\n        <\/tr>\r\n        <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                8. Vacant\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur du PNO ou CNO\r\n            <\/td>\r\n        <\/tr>\r\n        <tr>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:1px solid black;vertical-align: middle;\">\r\n                9. Vacant + CNO non-assur\u00e9 personnellement\r\n            <\/td>\r\n            <td style=\"border-bottom:1px solid black; padding:7px; border-top:none; border-right:1px solid black; border-left:none;vertical-align: middle;\">\r\n                Assureur de l'immeuble par subsidiarit\u00e9\r\n            <\/td>  \r\n        <\/tr>\r\n    <\/tbody>\r\n    <\/table>\r\n<\/div>\r\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fe5ccdb e-flex e-con-boxed e-con e-child\" data-id=\"5fe5ccdb\" 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-32acc6cb e-flex e-con-boxed e-con e-child\" data-id=\"32acc6cb\" 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-29f2ad1b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"29f2ad1b\" 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-48215a11 elementor-widget elementor-widget-heading\" data-id=\"48215a11\" 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-603a4310 e-flex e-con-boxed e-con e-child\" data-id=\"603a4310\" 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-ebb4a9e elementor-widget elementor-widget-spacer\" data-id=\"ebb4a9e\" 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-44d98566 elementor-widget elementor-widget-text-editor\" data-id=\"44d98566\" 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>Immeuble en copropri\u00e9t\u00e9 assur\u00e9 AXA, fuite sur canalisation d&rsquo;\u00e9vacuation des eaux us\u00e9es survenues le 5 mai 2019.<\/strong><\/p><ul><li><strong>Copropri\u00e9taire occupant assur\u00e9 MATMUT<\/strong><ul><li>Assureur gestionnaire : MATMUT<\/li><\/ul><\/li><li><strong>Locataire de copropri\u00e9t\u00e9 (cong\u00e9 donn\u00e9 le 30 avril 2019) + Locataire assur\u00e9 MACIF, CNO assur\u00e9 GAN<\/strong><ul><li>Assureur gestionnaire : GAN<\/li><\/ul><\/li><li><strong>Local vacant d&rsquo;une CNO non-assur\u00e9 personnellement<\/strong><ul><li>Assureur gestionnaire : AXA par subsidiarit\u00e9<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce7df69 elementor-widget elementor-widget-heading\" data-id=\"ce7df69\" 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\">R\u00f4le de l'assureur gestionnaire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5e4f7d elementor-widget elementor-widget-text-editor\" data-id=\"b5e4f7d\" 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 r\u00f4le de l&rsquo;assureur gestionnaire est de v\u00e9rifier la mat\u00e9rialit\u00e9 des faits et de proc\u00e9der sans tarder \u00e0 l&rsquo;\u00e9valuation des dommages \u00e0 la suite de la d\u00e9claration de son assur\u00e9 ou \u00e0 la demande d&rsquo;une autre assureur (c&rsquo;eest la cas par exemple du locataire dont le contrat a \u00e9t\u00e9 r\u00e9sili\u00e9. Son assureur informera l&rsquo;assureur du PNO ou du CNO qu&rsquo;il devient l&rsquo;assureur gestionnaire).<\/p><p>L&rsquo;assureur gestionnaire doit :<\/p><ul><li>demander le constat \u00e0 son assur\u00e9 et v\u00e9rifier la mat\u00e9rialit\u00e9 des faits<\/li><li>faire un \u00e9tat des lieux des assureurs concern\u00e9s<\/li><li>effectuer si n\u00e9cessaire la recherche de fuite<\/li><li>inviter la partie concern\u00e9e \u00e0 proc\u00e9der \u00e0 la r\u00e9paration de la cause<\/li><li>d\u00e9terminer l&rsquo;assiette conventionnelle des dommages<\/li><li>effectuer le chiffrage des dommages<\/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>Le d\u00e9g\u00e2t des eaux en copropri\u00e9t\u00e9 est le plus fr\u00e9quent, peut affecter plusieurs parties privatives mais \u00e9galement des parties communes dont les cons\u00e9quences peuvent \u00eatre dramatiques. L&rsquo;assureur gestionnaire est l&rsquo;assureur de l&rsquo;occupant du local sinistr\u00e9 et il y aura autant d&rsquo;assureurs gestionnaires qu&rsquo;il y aura de locaux sinistr\u00e9s. D\u00e9signation de l&rsquo;assureur gestionnaire Principe Selon le [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6843,"parent":985,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6789","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mieux comprendre le r\u00f4le et la d\u00e9signation de l&#039;assureur gestionnaire - Watio<\/title>\n<meta name=\"description\" content=\"Dans un d\u00e9g\u00e2t des eaux, le r\u00f4le de l&#039;assureur gestionnaire est d\u00e9terminant dans la gestion du sinistre. 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