Question 38001 — insurance

Summary

Ms. Sabine Thillaye draws the attention of the Minister Delegate to the Minister for Ecological Transition, responsible for housing, to the application of the intervention convention and remedies for building disasters, known as the IRSI convention. This agreement, which entered into force on June 1, 2018, replaced the CIDRE agreement, with the aim of simplifying and accelerating the management and settlement of claims (water damage, fires) whose damage is less than 5,000 euros excluding tax. Although the IRSI convention makes it possible to achieve these objectives, it nevertheless has negative effects. On the one hand, it does not encourage the person responsible for the damage to repair the leak. Indeed, below 1,600 euros excluding tax, the latter does not have to compensate the victim. It is up to the managing insurer, that is to say the insurer of the damaged premises. On the other hand, these rules make the load regularly rest on co-ownership associations. Indeed, building insurers are often designated as managers, due to the location of the loss (the common areas) or in the event of a failure of the insurers primarily designated (the tenant or the owner of the premises). It is therefore up to them to assess and compensate for damages. This increase in the number of treatments produces an increase in the contribution paid by the co-owners. In the most extreme cases, when this damage is frequent, this can lead to a termination of the insurance, and therefore to difficulties in finding an insurer. Also, she questions him to know if, as part of the revision of the IRSI convention, initially planned for 2020, an adjustment mechanism could be provided to limit the intervention of building insurers, and thus allow co-owners to benefit from insurance at a reasonable price.

Machine translation from French. The official text remains authoritative.

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