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Orages violents, pluies diluviennes… les intempéries se succèdent quelles que soient les saisons, mais particulièrement dans la période estivale. Les dégâts qui en sont la conséquence aussi. Mais que pouvez-vous attendre de votre assureur ?  

Quelle assurance faire jouer ?

Si vous aviez souscrit une assurance « multirisques habitation », vous êtes obligatoirement assuré contre les dégâts liés aux catastrophes naturelles. Il s’agit des dommages couverts par la garantie « tempête,  neige, grêle ». Si vous êtes propriétaire occupant, il va falloir faire jouer votre assurance. En revanche, si vous êtes locataire, votre assurance remboursera le mobilier et les détériorations à l’intérieur de l’habitation. Pour les dégâts relatifs aux murs et à la toiture : cela concerne l’assurance du propriétaire bailleur.

Sous quel délai déclarer ?

Dans les 5 jours qui suivent le sinistre, vous devez faire votre déclaration à votre assurance par lettre recommandée, en indiquant : vos coordonnées, numéro du contrat d’assurance, description du sinistre, liste chiffrée des biens endommagés… Le tout doit être accompagné de photos, factures, preuves d’achat… Ce délai est porté à 10 jours, à partir de la publication de l’arrêté, en cas de catastrophe naturelle.

Quelle indemnisation en cas de sinistre ?

Tout dépend du contrat que vous avez souscrit. La garantie de catastrophe naturelle concernera les biens couverts par le contrat, dans la limite des plafonds garantis, c’est-à-dire un montant maximald’indemnisation.

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