Incendie


Peut on avoir la même assurance que son propriétaire ?
...ou plutôt la même compagnie d'assurance ? Oui, rien ne l'interdit. Mais est-ce sage ou avisé ? Non, et un exemple récent nous le confirme : Un locataire d'un pavillon subit un incendie (criminel). Son propriétaire et lui sont assurés par la même compagnie. Deux experts se présentent (un pour le contrat du propriétaire, et un pour le contrat du locataire). A tort ou à raison, les experts déterminent qu'il n'y a pas eu d'effraction et repartent sans même chiffrer les dommages. Depuis l'affaire s'enlise et est partie en judiciaire. Rappelons que le locataire est présumé responsable du sinistre, (voir un autre article responsabilité locative). Ce qui implique que l'assurance du locataire doit subir le recours de celle du propriétaire En clair, du fait de la responsabilité locative,...
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