Maître Sarah HUOT

Avocat au barreau des Pyrénées-Orientales

Avocat titulaire d'un certificat de spécialisation en Droit immobilier

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Droit public, Procédure civile, Procédure d'appel, Droit des assurances

Barreau : Pyrénées-Orientales

Adresse : 12 Cours Lazare Escarguel 66005 PERPIGNAN

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Publié le 17/04/2020

PERTES D’EXPLOITATION : Pensez à vérifier votre contrat d’assurance !

Actualité de la profession

Par Me Sarah HUOT

PERTES D’EXPLOITATION : Pensez à vérifier votre contrat d’assurance !

La situation actuelle a conduit nombre d’entreprises à fermer leur établissement, ou à réduire leur activité, occasionnant ainsi des pertes d’exploitation très importantes mettant en péril la survie de nombreuses entreprises.

La plus part des professionnels ont souscrit une assurance « pertes d’exploitation » qui assure le versement d’une indemnité destinée à permettre à l’entreprise de se retrouver dans la situation financière qui aurait été la sienne sans la réduction ou l’interruption de l’activité.

Très vite, les compagnies d’assurances ont affirmé que le risque pandémie/épidémie n’était pas couvert.

Mais il est essentiel de vérifier les termes de votre contrat afin de vous en assurer.

En principe le contrat pertes d’exploitation s’applique dans la mesure où l’évènement couvert fait l’objet d’une garantie des dommages matériels.

La situation sanitaire actuelle n’est pas un élément habituel et n’a pas engendré de dommages matériels (contrairement à un incendie ou dégât des eaux par exemple). Les épidémies et pandémie figurent par ailleurs rarement au rang des événements couverts.

Cependant certains contrats garantissent « l’impossibilité d’accès » à votre établissement.

Si les épidémies et pandémies ne figurent pas au rang des exclusions, alors la garantie doit pouvoir être mobilisée.

Il est donc essentiel d’analyser votre contrat et d’adresser, dans le doute, une déclaration de sinistre à votre assureur, son refus pouvant être contesté pendant un délai de 2 ans.

Le cabinet se tient à votre disposition pour vous aider dans cette analyse.

Sarah HUOT

Avocat Associé

SCP VIAL PECH de LACLAUSE ESCALE KNOEPFFLER

HUOT PIRET JOUBES

14, Boulevard Wilson - BP80531 - 66005 PERPIGNAN CEDEX

Tel 04.68.51.22.29 Fax 04.68.34.20.65 Mail eurolex-france@wanadoo.fr

www.eurolex.fr

www.huot-avocat-perpignan.fr