{"id":295,"date":"2020-12-22T11:05:53","date_gmt":"2020-12-22T10:05:53","guid":{"rendered":"https:\/\/aca-pl.com\/?page_id=295"},"modified":"2020-12-22T11:30:08","modified_gmt":"2020-12-22T10:30:08","slug":"assurance-dommages-ouvrage-sinistres-dommages-ouvrages","status":"publish","type":"page","link":"https:\/\/aca-pl.com\/?page_id=295","title":{"rendered":"ASSURANCE DOMMAGES OUVRAGE"},"content":{"rendered":"\r\n<div id=\"wp-block-themeisle-blocks-advanced-columns-3ec24b6f\" class=\"wp-block-themeisle-blocks-advanced-columns has-1-columns has-desktop-equal-layout has-tablet-equal-layout has-mobile-equal-layout has-default-gap has-vertical-unset\">\r\n<div class=\"wp-block-themeisle-blocks-advanced-columns-overlay\">\u00a0<\/div>\r\n<div class=\"innerblocks-wrap\">\r\n<div id=\"wp-block-themeisle-blocks-advanced-column-d5731b85\" class=\"wp-block-themeisle-blocks-advanced-column\">\r\n<p>Instaur\u00e9e par la loi de Janvier 1978 dite \u00ab loi Spinetta \u00bb, la garantie Dommages ouvrage <strong>est obligatoire<\/strong> depuis cette date.<\/p>\r\n<p>Cette loi \u00a0a aussi rendu obligatoire l\u2019assurance d\u00e9cennale des entreprises participant \u00e0 la construction ou \u00e0 la r\u00e9novation (importante) \u00a0du b\u00e2timent concern\u00e9.<\/p>\r\n<p><span style=\"text-decoration: underline;\">Sont donc concern\u00e9s par cette obligation\u00a0<\/span>:<\/p>\r\n<ul>\r\n<li>Les promoteurs immobiliers<\/li>\r\n<li>Les constructeurs de maisons individuelles<\/li>\r\n<li>Les particuliers ou entreprises ma\u00eetres d\u2019ouvrage s\u2019ils traitent directement avec le constructeur<\/li>\r\n<li>Les fabricants, importateurs, les contr\u00f4leurs techniques dans le cadre de leurs missions.<\/li>\r\n<\/ul>\r\n<p><span style=\"text-decoration: underline;\">A quoi sert cette assurance\u00a0?<\/span><\/p>\r\n<p>Elle permet avant tout d\u2019intervenir pour pr\u00e9financer les travaux n\u00e9cessaires aux r\u00e9parations de d\u00e9sordres survenant dans le cadre d\u2019une garantie d\u00e9cennale, sans attendre que soient d\u00e9termin\u00e9es les responsabilit\u00e9s des diff\u00e9rents intervenants.<\/p>\r\n<p>La gestion des sinistres est simplifi\u00e9e, l\u2019expert nomm\u00e9 par l\u2019assureur dommage ouvrage intervenant en premier lieu pour le compte de l\u2019ensemble des parties prenantes afin de faciliter le r\u00e8glement du litige.<\/p>\r\n<p><span style=\"text-decoration: underline;\">Quand intervient-elle\u00a0?<\/span><\/p>\r\n<ul>\r\n<li>Apr\u00e8s la p\u00e9riode de garantie de parfait ach\u00e8vement suivant l\u2019article 1792-6 du code civil.<\/li>\r\n<li>Avant la r\u00e9ception des travaux, si apr\u00e8s une mise en demeure rest\u00e9e infructueuse le contrat de louage d\u2019ouvrage se trouve r\u00e9sili\u00e9 du fait du non respect des obligations contractuelles de l\u2019entrepreneur.<\/li>\r\n<\/ul>\r\n<p><span style=\"text-decoration: underline;\">A la suite de quels dommages cette garantie peut-elle \u00a0\u00eatre sollicit\u00e9e\u00a0?<\/span><\/p>\r\n<ul>\r\n<li>Si la solidit\u00e9 de l\u2019ouvrage est compromise.<\/li>\r\n<li>Si les d\u00e9sordres constat\u00e9s remettent en cause la destination de l\u2019immeuble.<\/li>\r\n<\/ul>\r\n<p><span style=\"text-decoration: underline;\">Quand les garanties vont-elles cesser\u00a0?<\/span><\/p>\r\n<p>Les garanties du contrat cessent \u00e0 l\u2019extinction de garantie d\u00e9cennale.<\/p>\r\n<p><span style=\"text-decoration: underline;\">Que se passe-t-il en cas de non souscription de ce contrat\u00a0obligatoire ?<\/span><\/p>\r\n<ul>\r\n<li>En l\u2019absence de garanties, les banques vont probablement refuser les pr\u00eats sollicit\u00e9s par le ma\u00eetre d\u2019ouvrage.<\/li>\r\n<li>En cas de malfa\u00e7ons, il sera beaucoup plus difficile et surtout beaucoup plus long d\u2019\u00eatre indemnis\u00e9.<\/li>\r\n<li>Enfin, en cas de revente des b\u00e2timents le ma\u00eetre d\u2019ouvrage sera personnellement responsable des d\u00e9sordres \u00e0 venir constat\u00e9s sur les b\u00e2timents, et donc de leur indemnisation.<\/li>\r\n<\/ul>\r\n<p><strong>Il est donc indispensable de ne surtout pas n\u00e9gliger la garantie DOMMAGES OUVRAGE lors d\u2019une construction ou r\u00e9habilitation de vos locaux. <\/strong><\/p>\r\n<p><span style=\"text-decoration: underline;\">Puis-je me contenter de souscrire uniquement la garantie DOMMAGES OUVRAGE\u00a0?<\/span><\/p>\r\n<p>Euh\u2026 Dans l\u2019absolu oui, mais\u2026 ce ne serait pas raisonnable\u00a0!<\/p>\r\n<p>D\u2019autres garanties sont en effet indispensables telles que:<\/p>\r\n<ul>\r\n<li>La responsabilit\u00e9 civile du ma\u00eetre d\u2019ouvrage.<\/li>\r\n<li>La garantie des dommages aux existants<\/li>\r\n<li>La \u00ab\u00a0TOUS RISQUES CHANTIER\u00a0\u00bb<\/li>\r\n<\/ul>\r\n<p><span style=\"text-decoration: underline;\">Est-ce cher\u00a0?<\/span><\/p>\r\n<p>En fait, il ne faut pas oublier que les cotisations d\u2019assurances ne sont \u00e9lev\u00e9es qu\u2019en cas d\u2019absence de sinistre.<\/p>\r\n<p>En cas de dommages une bonne indemnisation peut permettre de pr\u00e9server le patrimoine du ma\u00eetre d\u2019ouvrage.<\/p>\r\n<p><strong>En r\u00e9sum\u00e9, si la garantie DOMMAGES OUVRAGE est obligatoire, elle est aussi une n\u00e9cessit\u00e9 pour toute entreprise ou particulier qui investit dans une construction.<\/strong><\/p>\r\n<p>Que vous soyez un particulier ou un professionnel, vous pouvez nous contacter par <a href=\"mailto:info@aca-pl.com\">mail<\/a> ou par t\u00e9l\u00e9phone au <strong>02 41 09 77 32<\/strong> ou par notre <a href=\"https:\/\/aca-pl.com\/?page_id=181\">formulaire<\/a> de contact de 8h \u00e0 19h du Lundi au Vendredi, et le Samedi par mail.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"125\" height=\"125\" class=\"wp-image-33 aligncenter\" src=\"https:\/\/aca-pl.com\/wp-content\/uploads\/2019\/11\/ACA-15pxX15px-1.png\" alt=\"\" \/><\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n<p class=\"has-text-align-center\" style=\"text-align: center;\"><strong>Quand la passion est un m\u00e9tier<\/strong><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Quand la passion est un m\u00e9tier<\/p>\n","protected":false},"author":1,"featured_media":2645,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"class_list":["post-295","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assurance dommage ouvrage A quoi sert cette assurance? 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