Maître Jean-Paul FOURMONT

Avocat au barreau de Coutances

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Droit du travail et social, Assurances des particuliers

Barreau : Coutances-Avranches

Adresse : 3 Avenue Maréchal Foch 50150 SOURDEVAL

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Publié le 09/09/2021

Dégâts des eaux ,prescription biennale pour mettre en cause l'assureur de la copropriété.

Article juridique - Droit immobilier

Par Me Jean-Paul FOURMONT

Dégâts des eaux ,prescription biennale pour mettre en cause l'assureur de la copropriété.

La Troisième Chambre Civile de la Cour de Cassation a indiqué le 17 juin 2021 :"En application de l'article L114-1 et S du Code des Assurances ,toute action dérivant d'un contrat d'assurance est prescrite par 2 ans à compter de l'évènement qui y donne naissance.Lors de l'assignation en référé en vue de la désignation d'expert,le syndicat des copropriétaires doit mettre son assureur en cause dans les 2 ans suivant la date de celle-ci pour obtenir sa garantie, à défaut la prescription joue".

Les opérations d'expertise durent en générale 2 à 3 ans .Il est vivement conseillé au Syndicat des Copropriétaires de ne pas attendre l'assignation en ouverture de rapport ,pour appeller en garantie son assureur.A défaut il sera trop tard.

L'assignation du syndicat est bien le recours du tiers qui provoque l'obligation de garantie de l'assureur(cour de cassation du 18 juin 1996).La recevabilité du recours du tiers est sans effet sur la garantie de l'assuré.