{"id":61979,"date":"2026-08-04T17:24:07","date_gmt":"2026-08-04T15:24:07","guid":{"rendered":"https:\/\/alertes-meteo.com\/?page_id=61979"},"modified":"2026-08-04T18:56:55","modified_gmt":"2026-08-04T16:56:55","slug":"apres-un-incendie-les-demarches-dassurance-a-connaitre-pour-bien-etre-indemnise","status":"publish","type":"page","link":"https:\/\/alertes-meteo.com\/index.php\/la-france-face-aux-feux-de-foret\/apres-un-incendie-les-demarches-dassurance-a-connaitre-pour-bien-etre-indemnise\/","title":{"rendered":"Apr\u00e8s un incendie : les d\u00e9marches d&rsquo;assurance \u00e0 conna\u00eetre pour bien \u00eatre indemnis\u00e9"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1575px;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-center contenu-echelle\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.375%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.375%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-user-select:none;\"><h1 style=\"text-align: center;\">Apr\u00e8s un incendie : les d\u00e9marches d&rsquo;assurance \u00e0 conna\u00eetre pour bien \u00eatre indemnis\u00e9<\/h1>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Un incendie qui frappe votre habitation d\u00e9clenche une course contre le temps face \u00e0 votre assureur, o\u00f9 chaque jour et chaque document compte. L&rsquo;assurance habitation comprend obligatoirement une garantie incendie, qui constitue le canal principal d&rsquo;indemnisation apr\u00e8s un sinistre. Ce guide d\u00e9taille les cinq \u00e9tapes essentielles, les documents indispensables et les pi\u00e8ges \u00e0 \u00e9viter pour acc\u00e9l\u00e9rer votre indemnisation.<\/p>\n<h2 id=\"quel-dlai-pour-dclarer-le-sinistre\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-lg first:mt-0 md:text-lg &#091;hr+&amp;&#093;:mt-4\">Quel d\u00e9lai pour d\u00e9clarer le sinistre<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">La rapidit\u00e9 de la d\u00e9claration conditionne directement la suite de votre dossier d&rsquo;indemnisation.<\/p>\n<h2 id=\"le-dlai-standard-de-cinq-jours-ouvrs\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-base first:mt-0\">Le d\u00e9lai standard de cinq jours ouvr\u00e9s<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">La d\u00e9claration doit parvenir \u00e0 votre assureur dans les cinq jours ouvr\u00e9s suivant la d\u00e9couverte du sinistre, par t\u00e9l\u00e9phone ou via l&rsquo;espace en ligne, en g\u00e9n\u00e9ral. Confirmez syst\u00e9matiquement cette d\u00e9claration par \u00e9crit, email ou courrier recommand\u00e9, pour disposer d&rsquo;une trace formelle. En cas de reconnaissance de catastrophe naturelle, ce d\u00e9lai passe \u00e0 10 ou 30 jours apr\u00e8s la publication du d\u00e9cret au Journal Officiel.<\/p>\n<\/div><!-- Graphique \"Facteurs de protection d'une habitation\" -->\n<section class=\"fph-chart\" aria-labelledby=\"fph-title\">\n  <style>\n    .fph-chart,\n    .fph-chart * {\n      box-sizing: border-box;\n    }\n\n    .fph-chart {\n      --fph-green: #2ecc71;\n      --fph-blue: #3498db;\n      --fph-orange: #ed7d1a;\n      --fph-yellow: #f7c80b;\n      width: 100%;\n      max-width: 1200px;\n      margin: 28px auto;\n      padding: 26px 18px 24px;\n      overflow: hidden;\n      color: #111827;\n      background: #fff;\n      font-family: Arial, Helvetica, sans-serif;\n    }\n\n    .fph-chart__title {\n      margin: 0 0 8px !important;\n      padding: 0 !important;\n      color: #111 !important;\n      font-size: clamp(25px, 3vw, 38px) !important;\n      font-weight: 500 !important;\n      line-height: 1.18 !important;\n  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(max-width: 680px) {\n      .fph-chart {\n        margin: 18px auto;\n        padding: 20px 10px;\n      }\n\n      .fph-chart__title {\n        margin-bottom: 12px !important;\n        font-size: clamp(23px, 7vw, 31px) !important;\n      }\n\n      .fph-chart__stage {\n        min-height: 0;\n        aspect-ratio: 1 \/ 1;\n      }\n\n      .fph-chart__svg {\n        position: static;\n      }\n\n      .fph-chart__svg .fph-chart__ring {\n        transform: scale(2.05);\n        transform-origin: 600px 360px;\n      }\n\n      .fph-chart__label {\n        display: none;\n      }\n\n      .fph-chart__percent {\n        font-size: 30px;\n      }\n\n      .fph-chart__mobile-list {\n        display: grid;\n      }\n    }\n\n    @media (prefers-reduced-motion: reduce) {\n      .fph-chart__segment {\n        transition: none;\n      }\n    }\n  <\/style>\n\n  <h2 id=\"fph-title\" class=\"fph-chart__title\">\n    Facteurs de protection d'une habitation\n  <\/h2>\n\n  <div class=\"fph-chart__stage\">\n    <p class=\"fph-chart__label fph-chart__label--preventif\">\n      Comportement pr\u00e9ventif\n    <\/p>\n\n    <p class=\"fph-chart__label fph-chart__label--acces\">\n      Accessibilit\u00e9 pour les pompiers\n    <\/p>\n\n    <p class=\"fph-chart__label fph-chart__label--materiaux\">\n      Mat\u00e9riaux de construction<br>\n      (toiture, volets)\n    <\/p>\n\n    <p class=\"fph-chart__label fph-chart__label--debroussaillement\">\n      D\u00e9broussaillement r\u00e9glementaire\n    <\/p>\n\n    <svg\n      class=\"fph-chart__svg\"\n      viewBox=\"0 0 1200 650\"\n      role=\"img\"\n      aria-labelledby=\"fph-svg-title fph-svg-desc\"\n    >\n      <title id=\"fph-svg-title\">\n        R\u00e9partition des facteurs de protection d'une habitation\n      <\/title>\n\n      <desc id=\"fph-svg-desc\">\n        D\u00e9broussaillement r\u00e9glementaire 40 %, mat\u00e9riaux de construction\n        30 %, accessibilit\u00e9 pour les pompiers 20 % et comportement\n        pr\u00e9ventif 10 %.\n      <\/desc>\n\n      <g class=\"fph-chart__ring\">\n\n        <!-- Comportement pr\u00e9ventif : 10 % -->\n        <path\n          class=\"fph-chart__segment\"\n          tabindex=\"0\"\n          role=\"img\"\n          aria-label=\"Comportement pr\u00e9ventif : 10 %\"\n          fill=\"var(--fph-yellow)\"\n          d=\"M 429.08 206.10\n             A 230 230 0 0 1 552.18 135.03\n             L 569.85 218.17\n             A 145 145 0 0 0 492.24 262.98 Z\"\n        >\n          <title>Comportement pr\u00e9ventif : 10 %<\/title>\n        <\/path>\n\n        <!-- Accessibilit\u00e9 : 20 % -->\n        <path\n          class=\"fph-chart__segment\"\n          tabindex=\"0\"\n          role=\"img\"\n          aria-label=\"Accessibilit\u00e9 pour les pompiers : 20 %\"\n          fill=\"var(--fph-orange)\"\n          d=\"M 552.18 135.03\n             A 230 230 0 0 1 799.19 245.00\n             L 725.57 287.50\n             A 145 145 0 0 0 569.85 218.17 Z\"\n        >\n          <title>Accessibilit\u00e9 pour les pompiers : 20 %<\/title>\n        <\/path>\n\n        <!-- Mat\u00e9riaux : 30 % -->\n        <path\n          class=\"fph-chart__segment\"\n          tabindex=\"0\"\n          role=\"img\"\n          aria-label=\"Mat\u00e9riaux de construction, toiture et volets : 30 %\"\n          fill=\"var(--fph-blue)\"\n          d=\"M 799.19 245.00\n             A 230 230 0 0 1 647.82 584.97\n             L 630.15 501.83\n             A 145 145 0 0 0 725.57 287.50 Z\"\n        >\n          <title>\n            Mat\u00e9riaux de construction (toiture, volets) : 30 %\n          <\/title>\n        <\/path>\n\n        <!-- D\u00e9broussaillement : 40 % -->\n        <path\n          class=\"fph-chart__segment\"\n          tabindex=\"0\"\n          role=\"img\"\n          aria-label=\"D\u00e9broussaillement r\u00e9glementaire : 40 %\"\n          fill=\"var(--fph-green)\"\n          d=\"M 637.82 590.97\n             A 230 230 0 0 1 419.08 212.10\n             L 482.24 268.98\n             A 145 145 0 0 0 620.15 507.83 Z\"\n        >\n          <title>D\u00e9broussaillement r\u00e9glementaire : 40 %<\/title>\n        <\/path>\n\n        <text class=\"fph-chart__percent\" x=\"506.25\" y=\"197.62\">\n          10%\n        <\/text>\n\n        <text class=\"fph-chart__percent\" x=\"676.26\" y=\"188.71\">\n          20%\n        <\/text>\n\n        <text class=\"fph-chart__percent\" x=\"771.29\" y=\"436.26\">\n          30%\n        <\/text>\n\n        <text class=\"fph-chart__percent\" x=\"427.62\" y=\"459.75\">\n          40%\n        <\/text>\n      <\/g>\n    <\/svg>\n  <\/div>\n\n  <!-- Fiches affich\u00e9es uniquement sur smartphone -->\n  <div class=\"fph-chart__mobile-list\" aria-hidden=\"true\">\n\n    <div class=\"fph-chart__item\">\n      <span\n        class=\"fph-chart__dot\"\n        style=\"background: var(--fph-green);\"\n      ><\/span>\n\n      <span class=\"fph-chart__item-label\">\n        D\u00e9broussaillement r\u00e9glementaire\n      <\/span>\n\n      <strong class=\"fph-chart__item-value\">40%<\/strong>\n    <\/div>\n\n    <div class=\"fph-chart__item\">\n      <span\n        class=\"fph-chart__dot\"\n        style=\"background: var(--fph-blue);\"\n      ><\/span>\n\n      <span class=\"fph-chart__item-label\">\n        Mat\u00e9riaux de construction (toiture, volets)\n      <\/span>\n\n      <strong class=\"fph-chart__item-value\">30%<\/strong>\n    <\/div>\n\n    <div class=\"fph-chart__item\">\n      <span\n        class=\"fph-chart__dot\"\n        style=\"background: var(--fph-orange);\"\n      ><\/span>\n\n      <span class=\"fph-chart__item-label\">\n        Accessibilit\u00e9 pour les pompiers\n      <\/span>\n\n      <strong class=\"fph-chart__item-value\">20%<\/strong>\n    <\/div>\n\n    <div class=\"fph-chart__item\">\n      <span\n        class=\"fph-chart__dot\"\n        style=\"background: var(--fph-yellow);\"\n      ><\/span>\n\n      <span class=\"fph-chart__item-label\">\n        Comportement pr\u00e9ventif\n      <\/span>\n\n      <strong class=\"fph-chart__item-value\">10%<\/strong>\n    <\/div>\n\n  <\/div>\n<\/section><div class=\"fusion-text fusion-text-2\" style=\"--awb-user-select:none;\"><h2 id=\"les-cinq-tapes-de-la-procdure-dindemnisation\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-lg first:mt-0 md:text-lg &#091;hr+&amp;&#093;:mt-4\">Les cinq \u00e9tapes de la proc\u00e9dure d&rsquo;indemnisation<\/h2>\n<h2 id=\"tape-1--la-dclaration-immdiate\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-base first:mt-0\">\u00c9tape 1 : la d\u00e9claration imm\u00e9diate<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Confirmez toujours votre appel ou votre d\u00e9claration en ligne par un \u00e9crit, email ou courrier recommand\u00e9, pour \u00e9viter toute contestation ult\u00e9rieure sur les d\u00e9lais.<\/p>\n<h2 id=\"tape-2--le-constat-et-lexpertise\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-base first:mt-0\">\u00c9tape 2 : le constat et l&rsquo;expertise<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">L&rsquo;assureur mandate un expert pour \u00e9valuer les d\u00e9g\u00e2ts. Pr\u00e9parez l&rsquo;acc\u00e8s \u00e0 votre propri\u00e9t\u00e9, la liste des biens endommag\u00e9s et conservez syst\u00e9matiquement des copies de toutes vos preuves.<\/p>\n<h2 id=\"tape-3--devis-et-travaux\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-base first:mt-0\">\u00c9tape 3 : devis et travaux<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Selon les clauses de votre contrat, vous pouvez faire appel \u00e0 des artisans agr\u00e9\u00e9s ou choisir librement vos prestataires. Pour les montants importants, comparez plusieurs devis avant de vous engager.<\/p>\n<h2 id=\"tape-4--lindemnisation\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-base first:mt-0\">\u00c9tape 4 : l&rsquo;indemnisation<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">V\u00e9rifiez si votre contrat pr\u00e9voit une indemnisation en valeur \u00e0 neuf ou avec application de la v\u00e9tust\u00e9, ce qui change consid\u00e9rablement le montant final. Des acomptes restent possibles dans les cas les plus graves.<\/p>\n<h2 id=\"tape-5--les-recours-en-cas-de-dsaccord\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-base first:mt-0\">\u00c9tape 5 : les recours en cas de d\u00e9saccord<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Si l&rsquo;indemnisation propos\u00e9e vous semble insuffisante, vous disposez de plusieurs recours : m\u00e9diateur de l&rsquo;assurance, expertise contradictoire \u00e0 vos frais, puis contentieux en dernier ressort.<\/p>\n<\/div><!-- DOCUMENTS POUR UN DOSSIER D'ASSURANCE APR\u00c8S INCENDIE \u2014 WORDPRESS \/ AVADA -->\n\n<style>\n.sin26-dossier {\n  --sin26-blue: #145da0;\n  --sin26-dark: #17324d;\n  --sin26-border: #d6e2ec;\n  width: 100%;\n  max-width: 940px;\n  margin: 26px auto;\n  color: #263746;\n  font-family: Arial, Helvetica, 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1.5;\n  vertical-align: middle;\n  border: 0;\n  border-bottom: 1px solid #e2eaf0;\n}\n\n.sin26-table thead th {\n  color: #fff;\n  font-size: 14px;\n  font-weight: 900;\n  text-align: left;\n  background: var(--sin26-dark);\n}\n\n.sin26-table thead th:first-child {\n  width: 36%;\n}\n\n.sin26-table tbody th {\n  color: #173f63;\n  font-size: 15px;\n  font-weight: 900;\n  text-align: left;\n  background: #edf5fb;\n}\n\n.sin26-table tbody td {\n  color: #344b5e;\n  font-size: 15px;\n  background: #fff;\n}\n\n.sin26-table tbody tr:nth-child(even) th {\n  background: #e3f0f9;\n}\n\n.sin26-table tbody tr:hover th,\n.sin26-table tbody tr:hover td {\n  background: #fff7d6;\n}\n\n.sin26-table tbody tr:last-child th,\n.sin26-table tbody tr:last-child td {\n  border-bottom: 0;\n}\n\n.sin26-doc {\n  display: flex;\n  align-items: center;\n  gap: 11px;\n}\n\n.sin26-icon {\n  display: inline-flex;\n  flex: 0 0 36px;\n  width: 36px;\n  height: 36px;\n  align-items: center;\n  justify-content: center;\n  color: #fff;\n  font-size: 18px;\n  line-height: 1;\n  background: var(--sin26-blue);\n  border-radius: 50%;\n  box-shadow: inset 0 -2px 0 rgba(0, 0, 0, 0.14);\n}\n\n.sin26-table strong {\n  color: #173f63;\n}\n\n.sin26-alert {\n  display: grid;\n  grid-template-columns: auto 1fr;\n  gap: 12px;\n  margin: 0;\n  padding: 16px 18px;\n  color: #713f12;\n  font-size: 14px;\n  line-height: 1.55;\n  background: #fff4cc;\n  border-top: 1px solid #efd27b;\n}\n\n.sin26-alert-icon {\n  font-size: 23px;\n  line-height: 1.2;\n}\n\n.sin26-tip {\n  display: grid;\n  grid-template-columns: auto 1fr;\n  gap: 12px;\n  margin: 0;\n  padding: 15px 18px;\n  color: #17462d;\n  font-size: 14px;\n  line-height: 1.55;\n  background: #eaf7ef;\n  border-top: 1px solid #c6e7d2;\n}\n\n.sin26-tip-icon {\n  font-size: 22px;\n  line-height: 1.2;\n}\n\n.sin26-source {\n  margin: 0;\n  padding: 12px 18px 15px;\n  color: #617383;\n  font-size: 12px;\n  line-height: 1.5;\n  text-align: center;\n  background: #f6f9fb;\n  border-top: 1px solid #e2eaf0;\n}\n\n.sin26-source a {\n  color: #145da0;\n  font-weight: 700;\n  text-decoration: underline;\n}\n\n\/* Affichage en fiches sur smartphone *\/\n@media (max-width: 680px) {\n  .sin26-dossier {\n    margin: 20px auto;\n  }\n\n  .sin26-dossier h2 {\n    padding: 17px 13px;\n  }\n\n  .sin26-intro {\n    padding: 13px 15px;\n    font-size: 14px;\n  }\n\n  .sin26-wrap {\n    padding: 12px;\n    background: #edf3f7;\n  }\n\n  .sin26-table,\n  .sin26-table tbody,\n  .sin26-table tr,\n  .sin26-table th,\n  .sin26-table td {\n    display: block;\n    width: 100%;\n  }\n\n  .sin26-table thead {\n    position: absolute;\n    width: 1px;\n    height: 1px;\n    padding: 0;\n    overflow: hidden;\n    clip: rect(0, 0, 0, 0);\n    white-space: nowrap;\n    border: 0;\n  }\n\n  .sin26-table tbody tr {\n    margin-bottom: 13px;\n    overflow: hidden;\n    background: #fff;\n    border: 1px solid var(--sin26-border);\n    border-radius: 13px;\n    box-shadow: 0 5px 14px rgba(23, 50, 77, 0.09);\n  }\n\n  .sin26-table tbody tr:last-child {\n    margin-bottom: 0;\n  }\n\n  .sin26-table tbody th {\n    padding: 12px 14px;\n    background: #dcecf7 !important;\n    border: 0;\n  }\n\n  .sin26-table tbody td {\n    padding: 14px;\n    background: #fff !important;\n    border: 0;\n  }\n\n  .sin26-table tbody td::before {\n    display: block;\n    margin-bottom: 7px;\n    color: #657684;\n    font-size: 11px;\n    font-weight: 900;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n    content: attr(data-label);\n  }\n\n  .sin26-alert,\n  .sin26-tip,\n  .sin26-source {\n    margin-right: -12px;\n    margin-left: -12px;\n  }\n\n  .sin26-alert {\n    margin-top: 12px;\n  }\n\n  .sin26-alert,\n  .sin26-tip {\n    padding: 15px;\n  }\n\n  .sin26-source {\n    margin-bottom: -12px;\n    padding: 12px 15px 14px;\n  }\n}\n<\/style>\n\n<section class=\"sin26-dossier\" aria-labelledby=\"sin26-dossier-title\">\n\n  <h2 id=\"sin26-dossier-title\">Quels documents pr\u00e9parer pour votre dossier\u00a0?<\/h2>\n\n  <p class=\"sin26-intro\">\n    Apr\u00e8s un incendie, r\u00e9unissez progressivement les preuves du sinistre, de la propri\u00e9t\u00e9 des biens et du montant des dommages.\n  <\/p>\n\n  <div class=\"sin26-wrap\">\n    <table class=\"sin26-table\">\n      <thead>\n        <tr>\n          <th scope=\"col\">Document<\/th>\n          <th scope=\"col\">Conseil pratique<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <th scope=\"row\">\n            <span class=\"sin26-doc\"><span class=\"sin26-icon\" aria-hidden=\"true\">\ud83d\udcc4<\/span>Contrat d\u2019assurance et RIB<\/span>\n          <\/th>\n          <td data-label=\"Conseil pratique\">Gardez \u00e0 port\u00e9e de main le <strong>num\u00e9ro de contrat<\/strong>, les coordonn\u00e9es de l\u2019assureur et un RIB si celui-ci le demande pour le r\u00e8glement.<\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">\n            <span class=\"sin26-doc\"><span class=\"sin26-icon\" aria-hidden=\"true\">\ud83d\udcf7<\/span>Photos et vid\u00e9os<\/span>\n          <\/th>\n          <td data-label=\"Conseil pratique\">Photographiez les lieux, les pi\u00e8ces et chaque bien sous plusieurs angles, <strong>avant nettoyage ou d\u00e9blaiement<\/strong>, uniquement si l\u2019acc\u00e8s est autoris\u00e9 et sans vous exposer.<\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">\n            <span class=\"sin26-doc\"><span class=\"sin26-icon\" aria-hidden=\"true\">\ud83d\udcdd<\/span>Inventaire des biens<\/span>\n          <\/th>\n          <td data-label=\"Conseil pratique\">Dressez une liste, m\u00eame provisoire, pi\u00e8ce par pi\u00e8ce\u00a0: d\u00e9signation, marque, date et prix d\u2019achat estim\u00e9s, \u00e9tat et valeur de remplacement.<\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">\n            <span class=\"sin26-doc\"><span class=\"sin26-icon\" aria-hidden=\"true\">\ud83e\uddfe<\/span>Preuves d\u2019achat et de valeur<\/span>\n          <\/th>\n          <td data-label=\"Conseil pratique\">Factures, tickets, bons de garantie, relev\u00e9s bancaires ou photos ant\u00e9rieures peuvent \u00e9tablir l\u2019existence et la valeur des biens. <strong>Conservez les originaux et envoyez des copies.<\/strong><\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">\n            <span class=\"sin26-doc\"><span class=\"sin26-icon\" aria-hidden=\"true\">\ud83d\udc65<\/span>T\u00e9moignages \u00e9ventuels<\/span>\n          <\/th>\n          <td data-label=\"Conseil pratique\">Des t\u00e9moignages dat\u00e9s et sign\u00e9s, avec les coordonn\u00e9es des t\u00e9moins, peuvent pr\u00e9ciser les circonstances. Ils restent <strong>compl\u00e9mentaires<\/strong> aux preuves mat\u00e9rielles.<\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">\n            <span class=\"sin26-doc\"><span class=\"sin26-icon\" aria-hidden=\"true\">\ud83d\udee0\ufe0f<\/span>Devis de remise en \u00e9tat<\/span>\n          <\/th>\n          <td data-label=\"Conseil pratique\">Demandez plusieurs devis d\u00e9taill\u00e9s si possible et transmettez-les \u00e0 l\u2019assureur. N\u2019engagez pas de r\u00e9paration importante sans son accord, hors mesures urgentes de sauvegarde.<\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">\n            <span class=\"sin26-doc\"><span class=\"sin26-icon\" aria-hidden=\"true\">\ud83d\ude92<\/span>Constats officiels<\/span>\n          <\/th>\n          <td data-label=\"Conseil pratique\">Joignez, lorsqu\u2019ils sont disponibles, l\u2019attestation d\u2019intervention ou le rapport des pompiers, de la police ou de la gendarmerie afin d\u2019\u00e9tayer les circonstances du sinistre.<\/td>\n        <\/tr>\n\n        <tr>\n          <th scope=\"row\">\n            <span class=\"sin26-doc\"><span class=\"sin26-icon\" aria-hidden=\"true\">\ud83c\udfe0<\/span>Justificatif du logement<\/span>\n          <\/th>\n          <td data-label=\"Conseil pratique\">Pour un propri\u00e9taire\u00a0: titre de propri\u00e9t\u00e9, attestation notariale ou justificatif accept\u00e9 par l\u2019assureur. Pour un locataire\u00a0: bail, \u00e9tat des lieux et coordonn\u00e9es du bailleur.<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n\n    <p class=\"sin26-alert\">\n      <span class=\"sin26-alert-icon\" aria-hidden=\"true\">\u26a0\ufe0f<\/span>\n      <span><strong>Avant de jeter ou de d\u00e9blayer\u00a0:<\/strong> conservez les biens endommag\u00e9s, m\u00eame br\u00fbl\u00e9s, et demandez l\u2019accord de l\u2019assureur. En cas d\u2019urgence de s\u00e9curit\u00e9, prenez des photos d\u00e9taill\u00e9es et gardez toutes les factures des mesures engag\u00e9es.<\/span>\n    <\/p>\n\n    <p class=\"sin26-tip\">\n      <span class=\"sin26-tip-icon\" aria-hidden=\"true\">\u2713<\/span>\n      <span><strong>\u00c0 conserver \u00e9galement\u00a0:<\/strong> les re\u00e7us d\u2019h\u00f4tel, de transport, de b\u00e2chage, de gardiennage ou de mise en s\u00e9curit\u00e9. Ces d\u00e9penses peuvent \u00eatre prises en charge selon les garanties du contrat.<\/span>\n    <\/p>\n\n    <p class=\"sin26-source\">\n      Informations g\u00e9n\u00e9rales \u00e0 adapter aux garanties et demandes de votre assureur. Sources\u00a0:\n      <a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F21532\" target=\"_blank\" rel=\"noopener noreferrer\">Service-Public.fr \u2014 incendie ou explosion<\/a>\n      et\n      <a href=\"https:\/\/www.abe-infoservice.fr\/fr\/assurance\/assurance-multirisques-habitation\/assurance-habitation-que-se-passe-t-il-apres-une-declaration-de-sinistre\" target=\"_blank\" rel=\"noopener noreferrer\">ABE Infoservice<\/a>.\n    <\/p>\n  <\/div>\n<\/section><div class=\"fusion-text fusion-text-3\"><p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Prenez des vues d&rsquo;ensemble des fa\u00e7ades, de la toiture et de la cour, puis des d\u00e9tails pi\u00e8ce par pi\u00e8ce incluant l&rsquo;\u00e9lectrom\u00e9nager, en compl\u00e9tant avec des vid\u00e9os panoramiques.<\/p>\n<h2 id=\"quels-bons-rflexes-adopter\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-lg first:mt-0 md:text-lg &#091;hr+&amp;&#093;:mt-4\">Quels bons r\u00e9flexes adopter<\/h2>\n<ul class=\"marker:text-quiet list-disc pl-8\">\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 &#091;&amp;&gt;p&#093;:pt-0 &#091;&amp;&gt;p&#093;:mb-2 &#091;&amp;&gt;p&#093;:my-0\">\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Ne signez jamais de protocole d&rsquo;indemnisation sans avoir tout chiffr\u00e9 au pr\u00e9alable<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 &#091;&amp;&gt;p&#093;:pt-0 &#091;&amp;&gt;p&#093;:mb-2 &#091;&amp;&gt;p&#093;:my-0\">\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Formalisez chaque \u00e9change par \u00e9crit, y compris un email r\u00e9capitulatif apr\u00e8s chaque appel t\u00e9l\u00e9phonique<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 &#091;&amp;&gt;p&#093;:pt-0 &#091;&amp;&gt;p&#093;:mb-2 &#091;&amp;&gt;p&#093;:my-0\">\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Conservez les biens endommag\u00e9s sans les jeter avant le passage de l&rsquo;expert<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 &#091;&amp;&gt;p&#093;:pt-0 &#091;&amp;&gt;p&#093;:mb-2 &#091;&amp;&gt;p&#093;:my-0\">\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">V\u00e9rifiez la franchise applicable, les r\u00e8gles catastrophe naturelle et incendie pouvant diff\u00e9rer<\/p>\n<\/li>\n<li class=\"py-0 my-0 prose-p:pt-0 prose-p:mb-2 prose-p:my-0 &#091;&amp;&gt;p&#093;:pt-0 &#091;&amp;&gt;p&#093;:mb-2 &#091;&amp;&gt;p&#093;:my-0\">\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Attendez l&rsquo;accord de l&rsquo;assurance avant d&rsquo;entreprendre des travaux, hors mesures urgentes pour \u00e9viter une aggravation<\/p>\n<\/li>\n<\/ul>\n<h2 id=\"le-dbroussaillement-un-facteur-dterminant-pour-vot\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-lg first:mt-0 md:text-lg &#091;hr+&amp;&#093;:mt-4\">Le d\u00e9broussaillement, un facteur d\u00e9terminant pour votre indemnisation<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">Le lien entre entretien du terrain et indemnisation constitue un point souvent m\u00e9connu des sinistr\u00e9s. Si le manquement \u00e0 l&rsquo;obligation l\u00e9gale de d\u00e9broussaillement est \u00e9tabli comme cause ou facteur aggravant du sinistre, votre assureur peut appliquer une franchise suppl\u00e9mentaire pouvant atteindre 5 000 euros, en plus des franchises contractuelles habituelles. Pr\u00e9parez donc syst\u00e9matiquement vos preuves d&rsquo;entretien : photos dat\u00e9es et factures de travaux constituent votre meilleure protection.<span class=\"citation inline\" data-pplx-citation=\"\" data-pplx-citation-url=\"https:\/\/www.village-justice.com\/articles\/obligations-legales-debroussaillement-generalites-responsabilite-civile,57364.html\"><span class=\"group\/trigger inline-flex min-w-0\" data-state=\"closed\"><span class=\"relative -mt-px max-w-full min-w-0 whitespace-nowrap -top-px font-sans text-base text-foreground select-none selection:bg-super\/50 selection:text-foreground dark:selection:bg-super\/10 dark:selection:text-super\"><span class=\"text-3xs rounded-md group min-w-4 max-w-full cursor-pointer align-middle font-mono tabular-nums font-normal transition-colors duration-150 inline-flex items-center gap-0 py-&#091;0.1875rem&#093; leading-snug px-&#091;0.3rem&#093; &#091;@media(hover:hover)&#093;:hover:bg-subtle group-data-&#091;state=open&#093;\/trigger:bg-subtle border-subtlest ring-subtlest divide-subtlest bg-quiet\"><span class=\"inline-block relative !mt-0 !&#091;vertical-align:unset&#093; max-w-&#091;25ch&#093; overflow-hidden\">village-justice<\/span><span class=\"inline-block ml-xs mr-px !mt-0 !&#091;vertical-align:unset&#093;\"><span class=\"opacity-50\">+2<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<h2 id=\"cas-particuliers-selon-votre-situation\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-lg first:mt-0 md:text-lg &#091;hr+&amp;&#093;:mt-4\">Cas particuliers selon votre situation<\/h2>\n<h2 id=\"locataire-ou-propritaire\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-base first:mt-0\">Locataire ou propri\u00e9taire<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">L&rsquo;assurance habitation du locataire couvre ses biens personnels et sa responsabilit\u00e9 civile, tandis que le propri\u00e9taire active sa propre assurance pour le b\u00e2ti. Les deux assureurs s&rsquo;arrangent ensuite entre eux.<\/p>\n<h2 id=\"coproprit\" class=\"font-semibold leading-tight text-pretty mb-2 mt-4 &#091;.has-inline-images_&amp;&#093;:clear-end text-base first:mt-0\">Copropri\u00e9t\u00e9<\/h2>\n<p class=\"my-2 &#091;&amp;+p&#093;:mt-4 &#091;&amp;_strong:has(+br)&#093;:inline-block &#091;&amp;_strong:has(+br)&#093;:align-top\">L&rsquo;assurance de l&rsquo;immeuble couvre les parties communes, votre multirisque habitation couvre votre lot personnel, et le syndic centralise les d\u00e9marches pour les parties communes.<\/p>\n<\/div><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8902396130105212\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- bas de page -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-8902396130105212\"\n     data-ad-slot=\"7724440717\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><!-- FAQ ASSURANCE APR\u00c8S INCENDIE \u2014 WORDPRESS \/ AVADA -->\n<style>\n.firefaq26 {\n  --fire-900: #7f1d1d;\n  --fire-700: #b91c1c;\n  --fire-600: #dc2626;\n  --orange-600: #ea580c;\n  --orange-100: #ffedd5;\n  --amber-100: #fef3c7;\n  --slate-900: #172033;\n  --slate-700: #334155;\n  --slate-600: #475569;\n  --slate-200: #e2e8f0;\n  width: 100%;\n  max-width: 940px;\n  margin: 28px auto;\n  color: var(--slate-900);\n  font-family: Arial, Helvetica, sans-serif;\n}\n\n.firefaq26,\n.firefaq26 * {\n  box-sizing: border-box;\n}\n\n.firefaq26-header {\n  position: relative;\n  overflow: hidden;\n  padding: 25px 20px 22px;\n  color: #fff;\n  text-align: center;\n  background:\n    radial-gradient(circle at 88% 8%, rgba(255,255,255,.18), transparent 29%),\n    linear-gradient(135deg, #7f1d1d, #dc2626 58%, #f97316);\n  border-radius: 18px 18px 0 0;\n}\n\n.firefaq26-header h2 {\n  margin: 0 0 8px;\n  color: #fff;\n  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#fff7ed;\n}\n\n.firefaq26 details[open] summary::after {\n  content: \"\u2212\";\n  background: var(--fire-900);\n}\n\n.firefaq26-answer {\n  padding: 16px 18px 18px;\n  color: var(--slate-700);\n  font-size: 15px;\n  line-height: 1.7;\n  border-top: 1px solid #f3e5df;\n}\n\n.firefaq26-answer p {\n  margin: 0;\n}\n\n.firefaq26-answer strong {\n  color: var(--fire-900);\n}\n\n.firefaq26-alert {\n  margin: 16px 0 0;\n  padding: 14px 16px;\n  color: #78350f;\n  font-size: 13px;\n  line-height: 1.6;\n  background: var(--amber-100);\n  border-left: 5px solid #f59e0b;\n  border-radius: 10px;\n}\n\n.firefaq26-alert strong {\n  color: #92400e;\n}\n\n.firefaq26-sources {\n  margin: 15px 2px 0;\n  color: var(--slate-600);\n  font-size: 12px;\n  line-height: 1.6;\n  text-align: center;\n}\n\n.firefaq26-sources a {\n  color: var(--fire-900);\n  font-weight: 800;\n  text-decoration: underline;\n  text-underline-offset: 2px;\n}\n\n.firefaq26 summary:focus-visible,\n.firefaq26 a:focus-visible {\n  outline: 3px solid #f59e0b;\n  outline-offset: 3px;\n}\n\n@media (max-width: 650px) {\n  .firefaq26 {\n    margin: 20px auto;\n  }\n\n  .firefaq26-header {\n    padding: 21px 15px 19px;\n  }\n\n  .firefaq26-header p {\n    font-size: 14px;\n  }\n\n  .firefaq26-body {\n    padding: 12px;\n  }\n\n  .firefaq26 details {\n    margin-bottom: 10px;\n  }\n\n  .firefaq26 summary {\n    padding: 15px 47px 15px 14px;\n    font-size: 15px;\n  }\n\n  .firefaq26 summary::after {\n    right: 13px;\n    width: 25px;\n    height: 25px;\n  }\n\n  .firefaq26-answer {\n    padding: 14px;\n    font-size: 14px;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .firefaq26 details {\n    transition: none;\n  }\n}\n<\/style>\n\n<section class=\"firefaq26\" aria-labelledby=\"firefaq26-title\">\n  <header class=\"firefaq26-header\">\n    <span class=\"firefaq26-badge\">D\u00e9marches v\u00e9rifi\u00e9es \u00b7 ao\u00fbt 2026<\/span>\n    <h2 id=\"firefaq26-title\">FAQ assurance apr\u00e8s un incendie<\/h2>\n    <p>D\u00e9lais, preuves, expertise, travaux et indemnisation\u00a0: les r\u00e9ponses essentielles pour prot\u00e9ger vos droits apr\u00e8s un sinistre.<\/p>\n  <\/header>\n\n  <div class=\"firefaq26-body\">\n    <details open>\n      <summary>Quel d\u00e9lai pour d\u00e9clarer un incendie \u00e0 mon assureur\u00a0?<\/summary>\n      <div class=\"firefaq26-answer\">\n        <p>D\u00e9clarez le sinistre <strong>au plus vite et dans le d\u00e9lai pr\u00e9vu au contrat, qui ne peut pas \u00eatre inf\u00e9rieur \u00e0 5\u00a0jours ouvr\u00e9s<\/strong>. Si vous d\u00e9couvrez les dommages plus tard, le d\u00e9lai court \u00e0 partir du moment o\u00f9 vous en avez connaissance. Le d\u00e9lai de 30\u00a0jours apr\u00e8s publication d\u2019un arr\u00eat\u00e9 concerne uniquement les dommages relevant effectivement du r\u00e9gime des catastrophes naturelles\u00a0: il ne faut donc pas attendre un \u00e9ventuel arr\u00eat\u00e9 pour signaler un incendie.<\/p>\n      <\/div>\n    <\/details>\n\n    <details>\n      <summary>Dois-je jeter les objets endommag\u00e9s par le feu\u00a0?<\/summary>\n      <div class=\"firefaq26-answer\">\n        <p><strong>Non, conservez-les autant que possible jusqu\u2019aux instructions de l\u2019assureur ou au passage de l\u2019expert.<\/strong> Ne les jetez pas, ne les nettoyez pas et ne les r\u00e9parez pas avant de les avoir photographi\u00e9s et inventori\u00e9s. Si un objet pr\u00e9sente un danger ou doit \u00eatre \u00e9vacu\u00e9 pour des raisons sanitaires, demandez l\u2019accord de l\u2019assureur lorsque c\u2019est possible et gardez des photos d\u00e9taill\u00e9es, les r\u00e9f\u00e9rences du bien et les justificatifs d\u2019\u00e9vacuation.<\/p>\n      <\/div>\n    <\/details>\n\n    <details>\n      <summary>Que se passe-t-il si je n\u2019ai pas respect\u00e9 l\u2019obligation de d\u00e9broussaillement\u00a0?<\/summary>\n      <div class=\"firefaq26-answer\">\n        <p>Lorsque les dommages assur\u00e9s proviennent d\u2019un <strong>incendie de for\u00eat<\/strong> et que le non-respect des obligations l\u00e9gales de d\u00e9broussaillement est \u00e9tabli, l\u2019assureur peut appliquer, en plus de la franchise contractuelle, <strong>une franchise suppl\u00e9mentaire pouvant atteindre 5\u00a0000\u00a0\u20ac<\/strong>. Des sanctions administratives ou p\u00e9nales et une mise en cause de votre responsabilit\u00e9 peuvent \u00e9galement s\u2019ajouter selon les circonstances.<\/p>\n      <\/div>\n    <\/details>\n\n    <details>\n      <summary>Puis-je commencer les travaux avant l\u2019accord de l\u2019assurance\u00a0?<\/summary>\n      <div class=\"firefaq26-answer\">\n        <p><strong>Attendez l\u2019autorisation de l\u2019assureur avant les r\u00e9parations d\u00e9finitives.<\/strong> Vous pouvez cependant prendre les mesures conservatoires urgentes n\u00e9cessaires pour s\u00e9curiser les personnes et \u00e9viter l\u2019aggravation des dommages\u00a0: fermeture provisoire, b\u00e2chage, pompage ou \u00e9taiement, par exemple. Photographiez l\u2019\u00e9tat des lieux avant toute intervention, pr\u00e9venez rapidement l\u2019assureur et conservez les factures des d\u00e9penses engag\u00e9es.<\/p>\n      <\/div>\n    <\/details>\n\n    <details>\n      <summary>Que faire en cas de d\u00e9saccord avec l\u2019expert d\u2019assurance\u00a0?<\/summary>\n      <div class=\"firefaq26-answer\">\n        <p>Demandez le rapport et contestez les points litigieux <strong>par \u00e9crit, avec vos preuves et devis<\/strong>. Vous pouvez mandater un expert d\u2019assur\u00e9 pour une contre-expertise, g\u00e9n\u00e9ralement \u00e0 vos frais sauf garantie contraire. Si le d\u00e9saccord persiste, une tierce expertise peut \u00eatre organis\u00e9e, puis vous pouvez adresser une r\u00e9clamation formelle \u00e0 l\u2019assureur, saisir gratuitement la M\u00e9diation de l\u2019Assurance lorsque les conditions sont r\u00e9unies et, en dernier recours, le tribunal comp\u00e9tent.<\/p>\n      <\/div>\n    <\/details>\n\n    <details>\n      <summary>Quels documents sont indispensables pour mon dossier d\u2019indemnisation\u00a0?<\/summary>\n      <div class=\"firefaq26-answer\">\n        <p>R\u00e9unissez le <strong>num\u00e9ro de contrat<\/strong>, la description dat\u00e9e du sinistre, des photos et vid\u00e9os, un inventaire chiffr\u00e9 des biens, ainsi que les factures, relev\u00e9s bancaires, garanties ou photographies ant\u00e9rieures permettant d\u2019en prouver l\u2019existence et la valeur. Ajoutez les devis de remise en \u00e9tat, les rapports disponibles des secours, de police ou de gendarmerie, et les justificatifs des d\u00e9penses urgentes de s\u00e9curisation ou de relogement.<\/p>\n      <\/div>\n    <\/details>\n\n    <details>\n      <summary>L\u2019indemnisation couvre-t-elle l\u2019int\u00e9gralit\u00e9 de mes pertes\u00a0?<\/summary>\n      <div class=\"firefaq26-answer\">\n        <p><strong>Pas n\u00e9cessairement.<\/strong> Le montant d\u00e9pend des garanties souscrites, des plafonds, franchises, exclusions, limites applicables \u00e0 certains biens et du mode d\u2019\u00e9valuation pr\u00e9vu au contrat\u00a0: valeur d\u2019usage avec v\u00e9tust\u00e9 ou valeur \u00e0 neuf, par exemple. L\u2019h\u00e9bergement d\u2019urgence, les d\u00e9pendances, les ext\u00e9rieurs ou les pertes indirectes ne sont couverts que si le contrat le pr\u00e9voit. Num\u00e9riser \u00e0 l\u2019avance les factures et documents importants dans un espace s\u00e9curis\u00e9 facilite fortement la preuve des pertes.<\/p>\n      <\/div>\n    <\/details>\n\n    <p class=\"firefaq26-alert\"><strong>R\u00e9flexe essentiel\u00a0:<\/strong> mettez-vous en s\u00e9curit\u00e9, pr\u00e9venez rapidement l\u2019assureur et documentez les dommages avant tout nettoyage ou r\u00e9paration. Un incendie de for\u00eat n\u2019est pas automatiquement indemnis\u00e9 au titre du r\u00e9gime des catastrophes naturelles.<\/p>\n\n    <p class=\"firefaq26-sources\">\n      Sources officielles\u00a0:\n      <a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F21532\" target=\"_blank\" rel=\"noopener noreferrer\">Service-Public.fr \u2014 incendie et explosion<\/a>,\n      <a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F3076\" target=\"_blank\" rel=\"noopener noreferrer\">Service-Public.fr \u2014 catastrophe naturelle<\/a>,\n      <a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/id\/LEGISCTA000006157233\" target=\"_blank\" rel=\"noopener noreferrer\">Code des assurances<\/a>,\n      <a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F33298\" target=\"_blank\" rel=\"noopener noreferrer\">Service-Public.fr \u2014 d\u00e9broussaillement<\/a>.\n    <\/p>\n  <\/div>\n<\/section><div class=\"fusion-text fusion-text-4 intro-centree\"><p>Une d\u00e9claration rapide, un dossier document\u00e9 et le respect des obligations de d\u00e9broussaillement constituent les trois piliers d&rsquo;une indemnisation r\u00e9ussie apr\u00e8s un incendie de for\u00eat. Pour anticiper les p\u00e9riodes \u00e0 risque \u00e9lev\u00e9 dans votre secteur et prot\u00e9ger efficacement votre habitation avant la survenue d&rsquo;un sinistre, consultez d\u00e8s maintenant nos pr\u00e9visions m\u00e9t\u00e9o locales et notre indice de risque incendie mis \u00e0 jour en temps r\u00e9el.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":61980,"parent":61253,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_seopress_titles_title":"Assurance apr\u00e8s incendie : d\u00e9clarer, prouver, \u00eatre indemnis\u00e9 | guide pratique","_seopress_titles_desc":"Incendie de for\u00eat : d\u00e9lais de d\u00e9claration, documents \u00e0 fournir et d\u00e9marches d'assurance pour obtenir une indemnisation rapide et compl\u00e8te.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"temperature mer","footnotes":""},"class_list":["post-61979","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/pages\/61979","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/comments?post=61979"}],"version-history":[{"count":8,"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/pages\/61979\/revisions"}],"predecessor-version":[{"id":62004,"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/pages\/61979\/revisions\/62004"}],"up":[{"embeddable":true,"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/pages\/61253"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/media\/61980"}],"wp:attachment":[{"href":"https:\/\/alertes-meteo.com\/index.php\/wp-json\/wp\/v2\/media?parent=61979"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}