{"id":2009,"date":"2024-05-05T23:03:32","date_gmt":"2024-05-05T21:03:32","guid":{"rendered":"https:\/\/socabu-assurances.com\/socabu\/?page_id=2009"},"modified":"2024-08-06T01:02:51","modified_gmt":"2024-08-05T23:02:51","slug":"assurance-incendie-et-risques-connexes","status":"publish","type":"page","link":"https:\/\/socabu-assurances.com\/socabu\/assurance-incendie-et-risques-connexes\/","title":{"rendered":"Assurance incendie et risques connexes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2009\" class=\"elementor elementor-2009\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48648ef6 e-flex e-con-boxed e-con e-parent\" data-id=\"48648ef6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ef26f73 e-con-full e-flex e-con e-child\" data-id=\"6ef26f73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26331433 elementor-widget elementor-widget-heading\" data-id=\"26331433\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Assurance INCENDIE ET RISQUES CONNEXES<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cbf0527 e-flex e-con-boxed e-con e-parent\" data-id=\"5cbf0527\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e778391 elementor-widget elementor-widget-spacer\" data-id=\"7e778391\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59b8a202 e-con-full e-flex e-con e-parent\" data-id=\"59b8a202\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1be9ccaf e-con-full e-flex e-con e-child\" data-id=\"1be9ccaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60db567c elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"60db567c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/mati-fire-smoke-3028293-1024x682.jpg\" class=\"attachment-large size-large wp-image-1869\" alt=\"\" srcset=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/mati-fire-smoke-3028293-1024x682.jpg 1024w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/mati-fire-smoke-3028293-300x200.jpg 300w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/mati-fire-smoke-3028293-768x512.jpg 768w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/mati-fire-smoke-3028293.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3290e496 e-con-full e-flex e-con e-child\" data-id=\"3290e496\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bd5333d elementor-widget elementor-widget-heading\" data-id=\"6bd5333d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">De quoi s\u2019agit-il ? \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3452cd4f elementor-widget elementor-widget-text-editor\" data-id=\"3452cd4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019incendie se d\u00e9finit comme la destruction de biens par des flammes \u00e9voluant hors de leur domaine normal et cr\u00e9ant de la sorte un embrasement susceptible de se propager \u00e0 d\u2019autres biens.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4db57d24 e-flex e-con-boxed e-con e-parent\" data-id=\"4db57d24\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-616cb81c elementor-widget elementor-widget-spacer\" data-id=\"616cb81c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45fcaf9d e-flex e-con-boxed e-con e-parent\" data-id=\"45fcaf9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d124319 elementor-widget elementor-widget-heading\" data-id=\"4d124319\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Objet et \u00e9tendue de la couverture<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17014f62 e-con-full e-flex e-con e-parent\" data-id=\"17014f62\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-229e494e e-con-full e-flex e-con e-child\" data-id=\"229e494e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30219dcf elementor-widget elementor-widget-text-editor\" data-id=\"30219dcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ne constituent donc pas un incendie:<\/p><ul><li>la destruction d\u2019objets tomb\u00e9s, jet\u00e9s ou pos\u00e9s dans ou sur un foyer;<\/li><li>les br\u00fblures notamment aux linges et v\u00eatements<\/li><li>l\u2019exc\u00e8s de chaleur, le rapprochement ou le contact d\u2019une lumi\u00e8re ou d\u2019une source de chaleur, les \u00e9manations, les projections ou chutes de combustibles, sans qu\u2019il y ait embrasement.<\/li><\/ul><p>L\u2019assurance incendie couvre les b\u00e2timents et leur contenu. Cette assurance est \u00e9tendue aux risques de foudre, d\u2019explosion et de chute d\u2019avions sans prime additionnelle.<\/p><p>Capital assur\u00e9 pour le b\u00e2timent : le prix de sa reconstruction \u00e0 neuf, y compris les honoraires de l\u2019architecte.<\/p><p>Capital assur\u00e9 pour le contenu (mobilier, \u00e9quipements, marchandises) : le prix de sa reconstitution ou de son remplacement \u00e0 neuf.<\/p><p>Si le remplacement par un bien neuf identique n\u2019est plus possible, la valeur \u00e0 neuf est \u00e9gale au prix d\u2019un bien neuf de performances comparables.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58f47917 e-con-full e-flex e-con e-child\" data-id=\"58f47917\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e0e2ac elementor-widget elementor-widget-image\" data-id=\"8e0e2ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/feu.png\" class=\"attachment-large size-large wp-image-2473\" alt=\"\" srcset=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/feu.png 940w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/feu-300x251.png 300w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/feu-768x644.png 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a534cae e-con-full e-flex e-con e-parent\" data-id=\"a534cae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-17271d4 e-con-full e-flex e-con e-child\" data-id=\"17271d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6458b9a elementor-widget elementor-widget-text-editor\" data-id=\"6458b9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Il faut tenir compte de la v\u00e9tust\u00e9 qui est la d\u00e9pr\u00e9ciation d\u2019un bien en fonction de son \u00e2ge, de son usage, de la fr\u00e9quence et de la qualit\u00e9 de son entretien.<\/p><p>Les garanties connexes \u00e0 l\u2019incendie c\u00e0d ne jouant qu\u2019\u00e0 la suite de la survenance du risque principal qu\u2019est l\u2019incendie sont les suivantes:<\/p><ul><li><strong>Perte d\u2019exploitation<\/strong> : l\u2019assureur garantit le paiement des frais g\u00e9n\u00e9raux de fonctionnement (co\u00fbts fixes) pendant que l\u2019entreprise est \u00e0 l\u2019arr\u00eat pour cause d\u2019incendie.<\/li><\/ul><p>Le capital assur\u00e9 est fonction de l\u2019importance des frais g\u00e9n\u00e9raux et du nombre de mois couverts, g\u00e9n\u00e9ralement limit\u00e9s \u00e0 12 mois.<\/p><ul><li><strong>Recours des locataires<\/strong> : il s\u2019agit d\u2019une assurance de responsabilit\u00e9 civile<\/li><\/ul><p>g\u00e9n\u00e9rale ( cas d\u2019un incendie imputable au propri\u00e9taire des lieux qui d\u00e9truirait les biens des locataires).<\/p><p>Capital assur\u00e9: valeur des biens du locataire sur inventaire.<\/p><ul><li><strong>Renom au recours contre le locataire<\/strong> : dans cette couverture, l\u2019assureur renonce au recours qu\u2019il exercerait contre le locataire en cas d\u2019incendie imputable \u00e0 ce dernier; une prime additionnelle est demand\u00e9e pour cette renonciation de l\u2019assureur qui se prive d\u2019un droit de recours.<\/li><\/ul><p>\u00a0\u00a0\u00a0\u00a0 Capital assur\u00e9 : valeur de reconstruction du b\u00e2timent<\/p><ul><li><strong>Ch\u00f4mage immobilier<\/strong>: l\u2019assureur s\u2019engage \u00e0 payer le loyer pour compte de l\u2019assur\u00e9 pour la maison qu\u2019il occuperait pendant la p\u00e9riode de reconstruction de la maison assur\u00e9e.<\/li><\/ul><p>Si la maison assur\u00e9e \u00e9tait lou\u00e9e, l\u2019assureur compensera la perte des revenus locatifs.<\/p><p>Le capital assur\u00e9 est d\u00e9termin\u00e9 sur base d\u2019un loyer mensuel sans d\u00e9passer 12 mois , p\u00e9riode jug\u00e9e suffisante pour la reconstruction de la maison assur\u00e9e contre l\u2019incendi\u00e9e.<\/p><ul><li><strong>Recours des voisins et des tiers<\/strong> : c\u2019est aussi une assurance de responsabilit\u00e9 civile g\u00e9n\u00e9rale comme pour le recours des locataires sauf qu\u2019il s\u2019agit des voisins et des tiers<\/li><\/ul><p>Cas d\u2019une maison incendi\u00e9e qui toucherait la maison voisine ou un v\u00e9hicule gar\u00e9 \u00e0 c\u00f4t\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a71d45 e-con-full e-flex e-con e-child\" data-id=\"5a71d45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d21494 elementor-widget elementor-widget-image\" data-id=\"9d21494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/guido-jansen-Nz-zAt4qiuU-unsplash-1024x682.jpg\" class=\"attachment-large size-large wp-image-2474\" alt=\"\" srcset=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/guido-jansen-Nz-zAt4qiuU-unsplash-1024x682.jpg 1024w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/guido-jansen-Nz-zAt4qiuU-unsplash-300x200.jpg 300w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/guido-jansen-Nz-zAt4qiuU-unsplash-768x511.jpg 768w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/guido-jansen-Nz-zAt4qiuU-unsplash-1536x1022.jpg 1536w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/guido-jansen-Nz-zAt4qiuU-unsplash-2048x1363.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45bec1d0 e-flex e-con-boxed e-con e-parent\" data-id=\"45bec1d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e20e90c elementor-widget elementor-widget-heading\" data-id=\"6e20e90c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Garanties compl\u00e9mentaires<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9cd7363 e-con-full e-flex e-con e-parent\" data-id=\"9cd7363\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f98310a e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"f98310a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"261632266\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-2616322661\" data-tab-title-id=\"e-n-tab-title-2616322661\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-2616322661\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tTemp\u00eates, Ouragans et Tornade\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2616322662\" data-tab-title-id=\"e-n-tab-title-2616322662\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2616322662\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tTremblement de terre et \u00e9ruption volcanique \t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2616322663\" data-tab-title-id=\"e-n-tab-title-2616322663\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2616322663\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t D\u00e9g\u00e2ts des eaux et inondation\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2616322664\" data-tab-title-id=\"e-n-tab-title-2616322664\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2616322664\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tRisques \u00e9lectriques\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-2616322661\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2616322661\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-eb5b90a e-con-full e-flex e-con e-child\" data-id=\"eb5b90a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b46246e e-con-full e-flex e-con e-child\" data-id=\"b46246e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f62d2d6 elementor-widget elementor-widget-image\" data-id=\"f62d2d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/cyclone-forward-hurricane-2100663-1024x683.jpg\" class=\"attachment-large size-large wp-image-1871\" alt=\"\" srcset=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/cyclone-forward-hurricane-2100663-1024x683.jpg 1024w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/cyclone-forward-hurricane-2100663-300x200.jpg 300w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/cyclone-forward-hurricane-2100663-768x512.jpg 768w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/cyclone-forward-hurricane-2100663.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71adf7a e-con-full e-flex e-con e-child\" data-id=\"71adf7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4e55e2 elementor-widget elementor-widget-text-editor\" data-id=\"c4e55e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Temp\u00eates, Ouragans et Tornade<\/strong>: couverture des effets des vents violents<\/p><p>Les parties concern\u00e9es par la couverture contre les effets des vents violents sont la charpente, la couverture les faux-plafonds et les installations \u00e9lectriques.<\/p><p>Valeur \u00e0 assurer\u00a0: 1\/3 de la valeur assur\u00e9e pour le b\u00e2timent<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2616322662\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2616322662\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-d912659 e-con-full e-flex e-con e-child\" data-id=\"d912659\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-98d54e8 e-con-full e-flex e-con e-child\" data-id=\"98d54e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0f56f7 elementor-widget elementor-widget-image\" data-id=\"b0f56f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/volcano-lava-explosion-8607162-1024x574.png\" class=\"attachment-large size-large wp-image-3107\" alt=\"volcano, lava, explosion-8607162.jpg\" srcset=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/volcano-lava-explosion-8607162-1024x574.png 1024w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/volcano-lava-explosion-8607162-300x168.png 300w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/volcano-lava-explosion-8607162-768x431.png 768w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/volcano-lava-explosion-8607162.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ed4edc e-con-full e-flex e-con e-child\" data-id=\"8ed4edc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4a4cee elementor-widget elementor-widget-text-editor\" data-id=\"a4a4cee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Tremblement de terre et \u00e9ruption volcanique\u00a0<\/strong>: couverture des dommages cons\u00e9cutifs aux tremblements de terre et \u00e9ruptions volcaniques frappants les biens assur\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2616322663\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2616322663\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-1f418c5 e-con-full e-flex e-con e-child\" data-id=\"1f418c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9f99f71 e-con-full e-flex e-con e-child\" data-id=\"9f99f71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fbcee6 elementor-widget elementor-widget-text-editor\" data-id=\"2fbcee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>D\u00e9g\u00e2ts des eaux et inondation<\/strong>:<\/p>\n<p>Cette assurance couvre les b\u00e2timents et ou leurs contenus contre les dommages caus\u00e9s aux biens assur\u00e9s \u00e0 la suite des d\u00e9g\u00e2ts des eaux et inondations.<\/p>\n<p>Certaines zones sont exclues de la couverture au regard de leur niveau d\u2019exposition.<\/p>\n<p><br><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-083d9e3 e-con-full e-flex e-con e-child\" data-id=\"083d9e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14e13f3 elementor-widget elementor-widget-image\" data-id=\"14e13f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/flood-mud-building-6515464-1024x682.jpg\" class=\"attachment-large size-large wp-image-3111\" alt=\"flood, mud, building-6515464.jpg\" srcset=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/flood-mud-building-6515464-1024x682.jpg 1024w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/flood-mud-building-6515464-300x200.jpg 300w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/flood-mud-building-6515464-768x512.jpg 768w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/flood-mud-building-6515464.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2616322664\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2616322664\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-8bbd938 e-con-full e-flex e-con e-child\" data-id=\"8bbd938\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-71bbf03 e-con-full e-flex e-con e-child\" data-id=\"71bbf03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a376f2b elementor-widget elementor-widget-text-editor\" data-id=\"a376f2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Risques \u00e9lectriques<\/strong>\u00a0: cette garantie couvre l\u2019assur\u00e9 contre les d\u00e9sordres d\u2019ordres \u00e9lectriques (baisse de tension ou surtensions) frappant les \u00e9quipements \u00e9lectrom\u00e9nagers sans qu\u2019il y ait incendie de ces derniers.<\/p><p>Certaines zones sont exclues de la couverture au regard de leur niveau d\u2019exposition.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a588fb e-con-full e-flex e-con e-child\" data-id=\"0a588fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65e8d59 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"65e8d59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/disjoncteur-2.jpg\" class=\"attachment-large size-large wp-image-3292\" alt=\"\" srcset=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/disjoncteur-2.jpg 940w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/disjoncteur-2-300x251.jpg 300w, https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/07\/disjoncteur-2-768x644.jpg 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b89196a elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"b89196a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab0acb7 elementor-widget elementor-widget-heading\" data-id=\"ab0acb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Calcul de la prime<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b6d939 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2b6d939\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd9c1f8 elementor-widget elementor-widget-text-editor\" data-id=\"fd9c1f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Risques \u00e9lectriques\u00a0: cette garantie couvre l\u2019assur\u00e9 contre les d\u00e9sordres d\u2019ordres \u00e9lectriques (baisse de tension ou surtensions) frappant les \u00e9quipements \u00e9lectrom\u00e9nagers sans qu\u2019il y ait incendie de ces derniers.<\/p><p>Pour d\u00e9gager la prime \u00e0 payer, on applique le taux de prime li\u00e9 \u00e0 chaque type de couverture \u00e0 la valeur assur\u00e9e pour chaque article, puis on calcule les frais de gestion. La TVA est appliqu\u00e9e \u00e0 la prime nette + les frais de gestion. La prime totale \u00e0 payer repr\u00e9sentera la somme de la prime nette, des frais de gestion et de la TVA.<\/p><p><strong>Attention \u00e0 la sous assurance dans la d\u00e9termination de la valeur assur\u00e9e\u00a0:<\/strong><\/p><table width=\"589\"><tbody><tr><td width=\"589\"><p><strong><u>Article 87 du code des assurances : R\u00e8gle proportionnelle<\/u><\/strong> (Appliqu\u00e9e en cas de sous-assurance)<\/p><\/td><\/tr><tr><td width=\"589\"><p>Sauf convention contraire, si la valeur de l\u2019int\u00e9r\u00eat assurable peut \u00eatre d\u00e9termin\u00e9e et si le montant assur\u00e9 lui est inf\u00e9rieur, l\u2019assureur n\u2019est tenu que dans la proportion de ce montant \u00e0 ladite valeur et l\u2019assur\u00e9 supporte sa part proportionnelle du dommage.<\/p><\/td><\/tr><\/tbody><\/table><p><strong><u>\u00a0<\/u><\/strong><\/p><p><strong><u>\u00a0<\/u><\/strong><\/p><p><strong><u>\u00a0<\/u><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54ea3910 e-flex e-con-boxed e-con e-parent\" data-id=\"54ea3910\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21bf70d3 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"21bf70d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tT\u00e9l\u00e9chargez le formulaire de souscription \t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tVous pouvez finalisez votre demande par mail ou dans l'agence la plus proche de chez vous\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/socabu-assurances.com\/socabu\/wp-content\/uploads\/2024\/05\/PROPOSITION-DASSURANCE-INCENDIE-ET-RISQUES-CONNEXES.pdf\" target=\"_blank\">\n\t\t\t\t\t\tFormulaire de souscription \t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab09ec9 e-flex e-con-boxed e-con e-parent\" data-id=\"ab09ec9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bbad14 elementor-widget elementor-widget-heading\" data-id=\"8bbad14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Renvoyer le formulaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70c6f42 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"70c6f42\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"2009\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"70c6f42\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Assurance incendie et risques connexes - socabu\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"2009\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNom\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Nom\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tPr\u00e9nom\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Pr\u00e9nom\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-upload elementor-field-group elementor-column elementor-field-group-field_2ce3ba6 elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_2ce3ba6\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tDocument\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input type=\"file\" name=\"form_fields[field_2ce3ba6]\" id=\"form-field-field_2ce3ba6\" class=\"elementor-field elementor-size-sm  elementor-upload-field\" required=\"required\" data-maxsize=\"8\" data-maxsize-message=\"This file exceeds the maximum allowed size.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Message\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha elementor-field-group elementor-column elementor-field-group-field_fc67495 elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_fc67495\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LdzLN4pAAAAAB33ODO_6-Ry6J75VZ2VPnSRiucj\" data-type=\"v2_checkbox\" data-theme=\"light\" data-size=\"normal\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63303a37 e-flex e-con-boxed e-con e-parent\" data-id=\"63303a37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e0a470 elementor-widget elementor-widget-spacer\" data-id=\"8e0a470\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Assurance INCENDIE ET RISQUES CONNEXES De quoi s\u2019agit-il ? L\u2019incendie se d\u00e9finit comme la destruction de biens par des flammes \u00e9voluant hors de leur domaine normal et cr\u00e9ant de la sorte un embrasement susceptible de se propager \u00e0 d\u2019autres biens. Objet et \u00e9tendue de la couverture Ne constituent donc pas un incendie: la destruction d\u2019objets [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2009","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance incendie et risques connexes - socabu<\/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:\/\/socabu-assurances.com\/socabu\/assurance-incendie-et-risques-connexes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance incendie et risques connexes - socabu\" \/>\n<meta property=\"og:description\" content=\"Assurance INCENDIE ET RISQUES CONNEXES De quoi s\u2019agit-il ? L\u2019incendie se d\u00e9finit comme la destruction de biens par des flammes \u00e9voluant hors de leur domaine normal et cr\u00e9ant de la sorte un embrasement susceptible de se propager \u00e0 d\u2019autres biens. 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L\u2019incendie se d\u00e9finit comme la destruction de biens par des flammes \u00e9voluant hors de leur domaine normal et cr\u00e9ant de la sorte un embrasement susceptible de se propager \u00e0 d\u2019autres biens. 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