{"id":70932,"date":"2017-09-06T12:43:38","date_gmt":"2017-09-06T12:43:38","guid":{"rendered":"http:\/\/broker.dev\/?page_id=70759"},"modified":"2019-12-11T17:51:11","modified_gmt":"2019-12-11T16:51:11","slug":"home-five","status":"publish","type":"page","link":"https:\/\/am-expertises.com\/index.php\/home-five\/","title":{"rendered":"Lexique et documents"},"content":{"rendered":"

[vc_row type=»container» padding_top=»» padding_bottom=»»][vc_column][vc_column_text]<\/p>\n

Lexiques et Documents Pratiques<\/h2>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=»container» padding_top=»» padding_bottom=»» css=».vc_custom_1504710045434{padding-top: 5px !important;padding-bottom: 55px !important;}»][vc_column width=»1\/2″][vc_column_text css=».vc_custom_1571148924675{padding-right: 15px !important;}»]<\/p>\n

Lexiques<\/h2>\n

Vous trouverez les lexiques ci-dessous[\/vc_column_text][vc_toggle title=»Expertise amiable et contradictoire» color=»blue» el_id=»1444825588835-f3c49cbe-b447″]Consiste \u00e0 fixer d\u2019un commun accord le montant des dommages et de l\u2019indemnit\u00e9 due par l\u2019assureur. Ainsi, l\u2019\u00e9valuation des dommages se fait amiablement et contradictoirement avec l\u2019expert de la compagnie d\u2019assurance.<\/span>[\/vc_toggle][vc_toggle title=»Mesures conservatoires\/d\u2019urgence» color=»blue» el_id=»1476714829108-a3693e9b-d1f8″]Ensemble des mesures destin\u00e9es \u00e0 limiter les cons\u00e9quences d\u2019un sinistre (sauvetage des biens assur\u00e9s, b\u00e2chage de l\u2019immeuble sinistr\u00e9, mise hors d\u2019eau et hors d\u2019air, nettoyage, etc.).<\/span>[\/vc_toggle][vc_toggle title=»R\u00e8gle proportionnelle de capitaux :» color=»blue»]La r\u00e8gle proportionnelle de capitaux s\u2019applique lorsque le
\ncontrat d\u2019assurance couvre les biens assur\u00e9s sur la base d\u2019un capital, correspondant au montant de leur valeur d\u00e9clar\u00e9e. Le montant de la prime est obtenu en multipliant ce capital par un certain pourcentage, ou taux de prime. En cas de sinistre, la valeur des biens situ\u00e9s \u00e0 l\u2019adresse du risque doit correspondre au montant des capitaux souscrits\u00a0; \u00e0 d\u00e9faut, il peut y avoir surassurance ou sous-assurance..<\/span>[\/vc_toggle][vc_toggle title=»R\u00e8gle proportionnelle de prime» color=»blue»]R\u00e9duction d\u2019indemnit\u00e9 applicable \u00e0 la suite d\u2019un sinistre lorsque l\u2019assur\u00e9 a fait une d\u00e9claration inexacte de son risque. Dans le cas o\u00f9 la constatation par l\u2019assureur de la d\u00e9claration inexacte faite de bonne foi n\u2019a lieu qu\u2019apr\u00e8s un sinistre,\u00a0l\u2019indemnit\u00e9 est r\u00e9duite en proportion du taux des primes pay\u00e9es par rapport au taux des primes qui auraient \u00e9t\u00e9 dues si les risques avaient \u00e9t\u00e9 compl\u00e9tement et exactement d\u00e9clar\u00e9s.<\/span>[\/vc_toggle][vc_toggle title=»Surassurance» color=»blue»]Il y a surassurance lorsque la valeur de la chose assur\u00e9e est inf\u00e9rieure \u00e0 la somme assur\u00e9e. Dans ce cas, l\u2019indemnit\u00e9 due par l\u2019assureur doit correspondre \u00e0 la valeur r\u00e9elle de la chose\u00a0; l\u2019assureur ne peut aller au-del\u00e0 et ne doit pas verser \u00e0 l\u2019assur\u00e9 le montant de la somme assur\u00e9e, en application du principe indemnitaire<\/span>[\/vc_toggle][vc_toggle title=»Sous-assurance» color=»blue»]Situation dans laquelle se trouve l\u2019assur\u00e9 lorsque la valeur de la chose exc\u00e8de au jour du sinistre le montant de la somme garantie.<\/span>[\/vc_toggle][vc_toggle title=»Valeur \u00e0 neuf» color=»blue»]Indemnit\u00e9 correspondant \u00e0 la valeur de reconstruction \u00e0 neuf au jour du sinistre des biens immobiliers garantis. L\u2019assureur r\u00e8gle dans un premier temps la valeur de reconstruction v\u00e9tust\u00e9 d\u00e9duite, puis, lorsque l\u2019assur\u00e9 a fait reconstruire, le compl\u00e9ment ou valeur \u00e0 neuf.<\/span>[\/vc_toggle][vc_toggle title=»Valeur d\u2019usage» color=»blue» el_id=»1476714834103-1abcdef9-a47a»]Valeur d\u2019un bien non destin\u00e9 \u00e0 la vente, calcul\u00e9e en fonction de l\u2019utilit\u00e9 qu\u2019il procure \u00e0 son d\u00e9tenteur et non de sa valeur marchande.<\/span>[\/vc_toggle][vc_toggle title=»V\u00e9tust\u00e9» color=»blue»]La v\u00e9tust\u00e9 est la d\u00e9pr\u00e9ciation que subit un bien une fois qu’il a \u00e9t\u00e9 achet\u00e9, qu’elle qu’en soit la cause. Cette d\u00e9pr\u00e9ciation est in\u00e9luctable et imm\u00e9diate apr\u00e8s l’achat. Le bien acquis a une valeur d’occasion et c’est cette valeur d’occasion que l’expert est cens\u00e9 \u00e9valuer apr\u00e8s un sinistre.
\n<\/span>[\/vc_toggle][\/vc_column][vc_column width=»1\/2″][vc_single_image image=»71368″ img_size=»full» style=»vc_box_rounded» css=».vc_custom_1571148042453{margin-top: 40px !important;}»][\/vc_column][\/vc_row][vc_row type=»full_page_width_inner_container» padding_top=»» padding_bottom=»» css=».vc_custom_1504707065032{margin-bottom: 0px !important;padding-bottom: 60px !important;}»][vc_column width=»1\/4″ offset=»vc_col-lg-6″][vc_single_image image=»71378″ img_size=»full» style=»vc_box_rounded» css=».vc_custom_1571150213160{margin-top: 40px !important;}»][\/vc_column][vc_column width=»5\/12″ offset=»vc_col-lg-offset-1″][vc_column_text css_animation=»none»]<\/p>\n

Documents Pratiques<\/h2>\n

\"DEGAT-DES-EAUX\"Constat amiable et d\u00e9g\u00e2ts des eaux<\/a><\/span><\/p>\n


\n\"LETTRE-DE-RESILIATION\"<\/a>Mod\u00e8le lettre par r\u00e9siliation contrat d’assurance<\/a><\/span><\/p>\n


\n\"LETTRE-DE-RESILIATION\"<\/a>Mod\u00e8le lettre par r\u00e9siliation contrat d’assurance-2<\/a><\/span><\/p>\n

 <\/p>\n

\u00a0\u00a0\"LETTRE-DECLARATION-SINISTRE\" Mod\u00e8le lettre d\u00e9claration de sinistre<\/a><\/span><\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=»full_page_width» padding_top=»» padding_bottom=»» css=».vc_custom_1504630212697{margin-bottom: 15px !important;}»][vc_column][vc_separator color=»#eeeeee» type=»normal» thickness=»1″ up=»» down=»»][\/vc_column][\/vc_row][vc_row type=»full_page_width_inner_container» padding_top=»» padding_bottom=»» css=».vc_custom_1510417053267{margin-bottom: 0px !important;padding-top: 50px !important;padding-bottom: 80px !important;background: #bcbcbc url(http:\/\/themedemo.commercegurus.com\/broker-demodata\/wp-content\/uploads\/sites\/25\/2015\/10\/broker_faded_bg_a.jpg?id=70484) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}»][vc_column][vc_custom_heading text=»Notre devise est de faire valoir les droits et int\u00e9r\u00eats des assur\u00e9s» font_container=»tag:p|font_size:36|text_align:center|color:%23ffffff|line_height:46px» use_theme_fonts=»yes» css=».vc_custom_1572523675190{padding-top: 25px !important;}»][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

[vc_row type=»container» padding_top=»» padding_bottom=»»][vc_column][vc_column_text] Lexiques et Documents Pratiques [\/vc_column_text][\/vc_column][\/vc_row][vc_row type=»container» padding_top=»» padding_bottom=»» css=».vc_custom_1504710045434{padding-top: 5px !important;padding-bottom: 55px !important;}»][vc_column width=»1\/2″][vc_column_text css=».vc_custom_1571148924675{padding-right: 15px !important;}»] Lexiques Vous trouverez les lexiques ci-dessous[\/vc_column_text][vc_toggle title=»Expertise amiable et contradictoire» color=»blue» el_id=»1444825588835-f3c49cbe-b447″]Consiste \u00e0 fixer d\u2019un commun accord le montant des dommages et de l\u2019indemnit\u00e9 due par l\u2019assureur. Ainsi, l\u2019\u00e9valuation des dommages se fait amiablement […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-full-width.php","meta":[],"acf":[],"yoast_head":"\nLexique et documents - AM Expertises<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/am-expertises.com\/index.php\/home-five\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lexique et documents - AM Expertises\" \/>\n<meta property=\"og:description\" content=\"[vc_row type=»container» padding_top=»» padding_bottom=»»][vc_column][vc_column_text] Lexiques et Documents Pratiques [\/vc_column_text][\/vc_column][\/vc_row][vc_row type=»container» padding_top=»» padding_bottom=»» css=».vc_custom_1504710045434{padding-top: 5px !important;padding-bottom: 55px !important;}»][vc_column width=»1\/2″][vc_column_text css=».vc_custom_1571148924675{padding-right: 15px !important;}»] Lexiques Vous trouverez les lexiques ci-dessous[\/vc_column_text][vc_toggle title=»Expertise amiable et contradictoire» color=»blue» el_id=»1444825588835-f3c49cbe-b447″]Consiste \u00e0 fixer d\u2019un commun accord le montant des dommages et de l\u2019indemnit\u00e9 due par l\u2019assureur. 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