Maître Stéphane ZINE

Avocat au barreau de Thionville

Avocat titulaire d'un certificat de spécialisation en Droit immobilier

Compétences : Droit immobilier, Droit des assurances, Procédure civile, Mesures d'exécution forcée, Procédure d'appel

Barreau : Thionville

Adresse : 7 rue Saint Nicolas 57100 THIONVILLE

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Publié le 26/06/2019

Sinistre « CAT NAT » (sécheresse): attention aux délais !

Evènement/Actualité institutionnelle

Par Me Stéphane ZINE

Sinistre « CAT NAT » (sécheresse): attention aux délais !

La mise en jeu de la garantie de votre contrat d’habitation est subordonnée à la publication au Journal officiel d’un arrêté interministériel constatant cet état.

> Vous disposez d’un délai de 10 jours à compter de la parution de l’arrêté pour déclarer votre sinistre.

Seuls les dommages matériels directs causés aux biens garantis sont assurés, tous autres dommages immatériels sont exclus, hormis les frais de démolition et de déblais.

> En cas de refus de l’assureur, vous disposez d’un délai de deux ans pour agir contre l’assureur en cas de refus

Souvent, l’assureur estime que la garantie n’est pas mobilisable alors que la « CAT NAT » n’est pas la cause principale du sinistre.

Dans ce cas, une procédure de référé est un moyen pour interrompre le délai et obtenir une expertise pour trancher le problème technique.

N'hésitez pas à nous contacter, nous intervenons dans toute la France grâce à notre réseau de correspondants locaux.

www.zine-avocats.com

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