Questions pratiques


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Quand doit-on faire la déclaration de sinistre ?

La déclaration de sinistre doit être effectuée dans les 5 jours ouvrés qui suivent le sinistre ou le moment où vous en avez pris connaissance.

Dans le cas d’une catastrophe naturelle, vous disposez de 10 jours pour faire la déclaration à partir de la publication de l’arrêté au journal officiel.

Quelles sont les différences entre l’expert d’assurance et l’expert d’assurés ?

L’expert de compagnie

L’expert de compagnie est désigné par l’assureur afin, en cas de sinistre, d’instruire celui-ci. Dans le principe, cela se concrétise par un rapport d’expertise précisant, notamment, l’identification des biens endommagés, les causes et circonstances du sinistre, la description des dommages, l’estimation de la valeur des biens détruits et le coût de réparation de ceux qui ne sont qu’endommagés, l’estimation des pertes financières subies des préjudices matériels, immatériels ou corporels subis par la victime. Il est rémunéré par la compagnie d’assurance sous forme d’honoraires.

L’expert d’assurés

Afin de rétablir l’équilibre entre un assureur et un assuré lors d’un sinistre, l’assuré peut, pour défendre ses intérêts, faire appel à un expert d’assurés.

Après sinistre, une fois mandaté, l’expert d’assurés se charge du suivi administratif du dossier et devient l’interlocuteur de l’expert de la compagnie d’assurance. Il joue un rôle de contradicteur de l’expert d’assurance afin de rétablir un équilibre entre l’assuré et l’assurance.

L’expert d’assurés intervient notamment lors de l’évaluation d’un dommage afin d’optimiser, dans l’intérêt de l’assuré, le montant de la demande d’indemnisation auprès de la compagnie d’assurance. Il est le défenseur amiable de l’assuré en veillant à ce que la réclamation inclue toutes les garanties que le contrat d’assurance permet de formuler.

Qui règle les prestations de l’expert d’assurés ?

Certaines compagnies et certains contrats comprennent une garantie indispensable, appelée Honoraires d’experts : H.E (cf. tableau des garanties de vos conditions générales : voir dans les garanties Annexes la mention « honoraires d’expert »).

Si ce n’est pas le cas, nous vous proposons un forfait d’intervention.

Que dois-je faire pour faciliter au mieux l’évaluation des dommages subis ?

Ne jetez aucun objet endommagé, détrempé ou brûlé, rassemblez plutôt ce qui peut justifier l’existence et la valeur des biens abîmés (factures, bons de garantie, photos des objets ou du mobilier, etc…).