{"id":2656,"date":"2024-01-25T18:16:57","date_gmt":"2024-01-25T18:16:57","guid":{"rendered":"https:\/\/caralticonesa.com\/?p=2656"},"modified":"2024-01-26T17:36:33","modified_gmt":"2024-01-26T17:36:33","slug":"quina-asseguranca-necessito-per-fer-reformes-a-la-comunitat-de-propietaris","status":"publish","type":"post","link":"https:\/\/caralticonesa.com\/ca\/quina-asseguranca-necessito-per-fer-reformes-a-la-comunitat-de-propietaris\/","title":{"rendered":"QUINA ASSEGURAN\u00c7A NECESSITO PER A FER REFORMES A LA COMUNITAT DE PROPIETARIS?"},"content":{"rendered":"

A les comunitats de propietaris que\u00a0 necessiten fer reparacions , sense voler-ho, es converteixen en Promotors d’obra<\/strong>, des d’una petita reparaci\u00f3 d’una fuita d’aigua fins a una gran reforma amb pressupostos de centenars de milers d’euros.<\/p>\n

Una de les necessitats d’un promotor \u00e9s tenir contractada una asseguran\u00e7a de responsabilitat civil que empari els danys de responsabilitat civil de manera subsidi\u00e0ria a les obres que s’estiguin realitzant, igual que comprovar que les assegurances de les empreses o aut\u00f2noms que treballen a l’obra s\u00f3n els necessaris. Els riscos d’una obra s\u00f3n m\u00faltiples, des dels danys materials que els colindants poden patir per obres de certa envergadura, fins a danys corporals de tercers o de membres de la mateixa empresa reparadora contractada per la comunitat.<\/p>\n

Enumerem alguns dels sinistres m\u00e9s habituals,<\/h4>\n

– A causa de treballs de reforma en pilars i murs, edificis lim\u00edtrofs pateixen esquerdes i moviments als seus habitatges.<\/p>\n

– Durant uns treballs de rehabilitaci\u00f3 de la fa\u00e7ana amb bastides es produeix un accident laboral a un treballador de la mateixa empresa de rellev\u00e0ncia.<\/p>\n

– Durant el treball de restauraci\u00f3 d’una cornisa, col\u00b7lapsa i causa danys corporals causant seq\u00fceles importants a uns vianants.<\/p>\n

Per estar coberts davant de reclamacions i indemnitzacions com les anteriors hem de tenir en compte:<\/p>\n

 <\/p>\n

\u00a0COMPROVAR LES ASSEGURANCES<\/h4>\n

Comprovar les assegurances de les empreses que treballen al nostre edifici, ja que som responsables (subsidiaris) dels danys que causin a tercers o pateixin ells mateixos.<\/p>\n

-Asseguran\u00e7a de responsabilitat civil<\/strong><\/p>\n

Hem de fixar-nos que el contracte estigui en vigor, que els l\u00edmits d’indemnitzaci\u00f3 siguin suficients i que l’activitat descrita a la p\u00f2lissa sigui la mateixa de l’activitat que desenvolupen al nostre edifici.<\/p>\n

– Asseguran\u00e7a d’accidents de conveni<\/strong><\/p>\n

Ens hem de fixar que el contracte estigui regularitzat, i l’activitat sigui la desenvolupada a l’obra.<\/p>\n

-Asseguran\u00e7a de tot risc de construcci\u00f3<\/strong><\/p>\n

En cas que hi hagi maquin\u00e0ria o materials dipositats a les zones de treball d’obra de valor rellevant, \u00e9s recomanable que s’assegurin aquests valors de maquin\u00e0ria i materials o b\u00e9 contractualment ho assumeixi l’empresa constructora.<\/p>\n

 <\/p>\n

TENIR CONTRACTADA UNA ASSEGURAN\u00c7A DE RESPONSABILITAT CIVIL.<\/h4>\n

-Dins de la mateixa p\u00f2lissa de RC general<\/p>\n

La majoria d’assegurances d’edificis de comunitats de propietaris, llars, empreses dins del capital i garantia responsabilitat civil ja cobreixen la responsabilitat civil de les obres de reparaci\u00f3 o millores, per\u00f2 queden limitades per a la mida de l’obra. Per verificar si la mida de l’obra estar\u00e0 assegurat hem d’observar quin cost o valor m\u00e0xim pel qual la companyia assumeix la RC de promotor a la p\u00f2lissa actual, i si aquesta no \u00e9s suficient, haur\u00edem de contractar una asseguran\u00e7a temporal, pel temps que duraran les obres i sobre el valor pressupostat.<\/p>\n

Tenint en compte aquestes recomanacions, podran afrontar sense riscos les obres de la seva comunitat de propietaris.<\/p>\n

 <\/p>\n

I com sempre, recomanem consultar al vostre\u00a0 Corredor d’assegurances<\/a><\/u><\/p>\n

 <\/p>\n

Marc Conesa<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

A les comunitats de propietaris que\u00a0 necessiten fer reparacions , sense voler-ho, es converteixen en Promotors d’obra, des d’una petita reparaci\u00f3 d’una fuita d’aigua fins […]<\/p>\n","protected":false},"author":1,"featured_media":2658,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-2656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ca"],"yoast_head":"\nQUINA ASSEGURAN\u00c7A NECESSITO PER A FER REFORMES A LA COMUNITAT DE PROPIETARIS? - Caralt i Conesa<\/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:\/\/caralticonesa.com\/ca\/quina-asseguranca-necessito-per-fer-reformes-a-la-comunitat-de-propietaris\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"QUINA ASSEGURAN\u00c7A NECESSITO PER A FER REFORMES A LA COMUNITAT DE PROPIETARIS? 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