{ "article": { "LEGIARTI000049092786": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "3", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000049092786", "URL": "article/LEGI/ARTI/00/00/49/09/27/LEGIARTI000049092786.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006792615", "@num": "L125-2", "#text": "Code des assurances - art. L125-2", "@sens": "source", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000049094133", "@num": "R125-24", "#text": "Code de l'environnement - art. R125-24 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006074220", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "@cid": "JORFTEXT000049092407", "@nor": "ECOT2325879D", "@num": "2024-82", "@nature": "DECRET", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Décret n° 2024-82 du 5 février 2024 relatif aux conditions d'indemnisation des conséquences des désordres causés par le phénomène naturel de mouvements de terrain différentiels consécutifs à la sécheresse et à la réhydratation des sols", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000049092407", "@c_titre_court": "Décret n°2024-82 du 5 février 2024" }, { "@fin": "2999-01-01", "#text": "Décret n° 2024-82 du 5 février 2024 relatif aux conditions d'indemnisation des conséquences des désordres causés par le phénomène naturel de mouvements de terrain différentiels consécutifs à la sécheresse et à la réhydratation des sols", "@debut": "2024-02-07", "@id_txt": "LEGITEXT000049092775", "@c_titre_court": "Décret n°2024-82 du 5 février 2024" } ], "@ministere": "Ministère de l'économie, des finances et de la souveraineté industrielle et numérique", "@date_publi": "2024-02-06", "@date_signature": "2024-02-05", "@num_parution_jo": "0030" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000049092786", "@fin": "2999-01-01", "@num": "3", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000049092422", "@fin": "2999-01-01", "@num": "3", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code de l'environnement
\n Art. R125-24\n
\n

\n
" } }, "LEGIARTI000006792615": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L125-2", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2003-07-31", "DATE_DEBUT": "1985-08-15" } }, "META_COMMUN": { "ID": "LEGIARTI000006792615", "URL": "article/LEGI/ARTI/00/00/06/79/26/LEGIARTI000006792615.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AHAXXXXXXXX1X125L02AXXAA" } }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000305911", "#text": "Décret 76-666 1976-07-16", "@sens": "source", "@cidtexte": "JORFTEXT000000305911", "@numtexte": "76-666", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "1976-07-16" }, { "@id": "JORFTEXT000000682301", "#text": "Décret 85-863 1985-08-02 art. 1 JORF 15 août 1985", "@sens": "source", "@cidtexte": "JORFTEXT000000682301", "@numtexte": "85-863", "@typelien": "CREATION", "@naturetexte": "DECRET", "@datesignatexte": "1985-08-02" }, { "@id": "LEGIARTI000006848428", "@num": "13", "#text": "Loi n°95-101 du 2 février 1995 - art. 13 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000551804", "@nortexte": "ENVX9400049L", "@numtexte": "95-101", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1995-02-02" }, { "@id": "LEGIARTI000006321653", "@num": "75", "#text": "Loi - art. 75 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000781906", "@nortexte": "ECOX0200157L", "@numtexte": "2002-1576", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2002-12-30" }, { "@id": "LEGIARTI000006218536", "@num": "1", "#text": "Décret n°2003-350 du 14 avril 2003 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000236167", "@nortexte": "DEVP0310036D", "@numtexte": "2003-350", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2003-04-14" }, { "@id": "LEGIARTI000006218537", "@num": "2", "#text": "Décret n°2003-350 du 14 avril 2003 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000236167", "@nortexte": "DEVP0310036D", "@numtexte": "2003-350", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2003-04-14" }, { "@id": "LEGIARTI000019346878", "@num": "1", "#text": "Arrêté du 12 août 2008 - art. 1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000019344754", "@nortexte": "ECET0819128A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2008-08-12" }, { "@id": "LEGIARTI000020414756", "@num": "1", "#text": "Arrêté du 4 mars 2009 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000020414064", "@nortexte": "DEVP0900412A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2009-03-04" }, { "@id": "LEGIARTI000043460365", "@num": "1", "#text": "Décret n°2021-518 du 29 avril 2021 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000043458697", "@nortexte": "TREP2101756D", "@numtexte": "2021-518", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-04-29" }, { "@id": "LEGIARTI000046363287", "@num": "1", "#text": "Décret n°2022-1289 du 1er octobre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046362782", "@nortexte": "TREP2132891D", "@numtexte": "2022-1289", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-10-01" }, { "@id": "LEGIARTI000048069560", "@num": "3", "#text": "Arrêté du 25 avril 2023 - 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art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000048104777", "@nortexte": "IOME2318045A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2023-07-23" }, { "@id": "LEGIARTI000048148932", "@num": "3", "#text": "Arrêté du 25 juillet 2023 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000048147966", "@nortexte": "IOME2320254A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2023-07-25" }, { "@id": "LEGIARTI000048148959", "@num": "3", "#text": "Arrêté du 25 septembre 2023 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000048147986", "@nortexte": "IOME2325523A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2023-09-25" }, { "@id": "LEGIARTI000048228560", "@num": "3", "#text": "Arrêté du 18 septembre 2023 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000048226851", "@nortexte": "IOME2324728A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2023-09-18" }, { "@id": "LEGIARTI000048228606", "@num": "3", "#text": "Arrêté du 19 septembre 2023 - 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art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000048991056", "@nortexte": "IOME2401804A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-19" }, { "@id": "LEGIARTI000049000409", "@num": "3", "#text": "Arrêté du 16 janvier 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000048998796", "@nortexte": "IOME2400974A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-16" }, { "@id": "LEGIARTI000049054932", "@num": "3", "#text": "Arrêté du 18 janvier 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049053850", "@nortexte": "IOME2400969A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-18" }, { "@id": "LEGIARTI000049054845", "@num": "3", "#text": "Arrêté du 19 janvier 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049053874", "@nortexte": "IOME2400970A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-19" }, { "@id": "LEGIARTI000049080348", "@num": "7", "#text": "Arrêté du 31 janvier 2024 - art. 7 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000049079195", "@nortexte": "TREP2403092A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-31" }, { "@id": "LEGIARTI000049080319", "@num": "7", "#text": "Arrêté du 31 janvier 2024 - art. 7 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049079166", "@nortexte": "TREP2335064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-31" }, { "@id": "LEGIARTI000049080350", "@num": "8", "#text": "Arrêté du 31 janvier 2024 - art. 8 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000049079195", "@nortexte": "TREP2403092A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-31" }, { "@id": "LEGIARTI000049404737", "@num": "8", "#text": "Arrêté du 31 janvier 2024 - art. 8 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049079166", "@nortexte": "TREP2335064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-31" }, { "@id": "LEGIARTI000049092786", "@num": "3", "#text": "Décret n°2024-82 du 5 février 2024 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000049092407", "@nortexte": "ECOT2325879D", "@numtexte": "2024-82", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-02-05" }, { "@id": "LEGIARTI000049113731", "@num": "3", "#text": "Arrêté du 30 janvier 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049111654", "@nortexte": "IOME2402725A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-30" }, { "@id": "LEGIARTI000049113753", "@num": "3", "#text": "Arrêté du 31 janvier 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049111676", "@nortexte": "IOME2334295A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-31" }, { "@id": "LEGIARTI000049186492", "@num": "3", "#text": "Arrêté du 12 février 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049184269", "@nortexte": "IOME2403657A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-02-12" }, { "@id": "LEGIARTI000049196229", "@num": "3", "#text": "Arrêté du 13 février 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049190880", "@nortexte": "IOME2403659A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-02-13" }, { "@id": "LEGIARTI000049255404", "@num": "3", "#text": "Arrêté du 7 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049253235", "@nortexte": "IOME2407004A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-07" }, { "@id": "LEGIARTI000049383426", "@num": "3", "#text": "Arrêté du 18 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049375511", "@nortexte": "IOME2407754A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-18" }, { "@id": "LEGIARTI000049383450", "@num": "3", "#text": "Arrêté du 19 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049375535", "@nortexte": "IOME2407755A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-19" }, { "@id": "LEGIARTI000049484168", "@num": "3", "#text": "Arrêté du 15 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049477833", "@nortexte": "IOME2410378A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-15" }, { "@id": "LEGIARTI000049484203", "@num": "3", "#text": "Arrêté du 16 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049477863", "@nortexte": "IOME2410383A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-16" }, { "@id": "LEGIARTI000049633301", "@num": "3", "#text": "Arrêté du 29 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049629946", "@nortexte": "IOME2411920A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-29" }, { "@id": "LEGIARTI000049708449", "@num": "3", "#text": "Arrêté du 5 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049707802", "@nortexte": "IOME2415152A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-05" }, { "@id": "LEGIARTI000049813537", "@num": "3", "#text": "Arrêté du 17 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049797859", "@nortexte": "IOME2415880A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-17" }, { "@id": "LEGIARTI000049860110", "@num": "3", "#text": "Arrêté du 18 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049858629", "@nortexte": "IOME2415881A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-18" }, { "@id": "LEGIARTI000049897857", "@num": "3", "#text": "Arrêté du 4 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049891990", "@nortexte": "IOME2418595A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-04" }, { "@id": "LEGIARTI000050072333", "@num": "3", "#text": "Arrêté du 22 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050069497", "@nortexte": "IOME2420215A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-22" }, { "@id": "LEGIARTI000050072360", "@num": "3", "#text": "Arrêté du 23 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050069521", "@nortexte": "IOME2420217A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-23" }, { "@id": "LEGIARTI000050126433", "@num": "3", "#text": "Arrêté du 1er août 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050126179", "@nortexte": "IOME2421328A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-08-01" }, { "@id": "LEGIARTI000050284791", "@num": "3", "#text": "Arrêté du 23 septembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050278250", "@nortexte": "INTE2424582A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-23" }, { "@id": "LEGIARTI000050377680", "@num": "3", "#text": "Arrêté du 24 septembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050373949", "@nortexte": "INTE2424583A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-24" }, { "@id": "LEGIARTI000050399872", "@num": "3", "#text": "Arrêté du 23 octobre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050397283", "@nortexte": "INTE2428153A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-10-23" }, { "@id": "LEGIARTI000050430600", "@num": "3", "#text": "Arrêté du 14 octobre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050428510", "@nortexte": "INTE2427051A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-10-14" }, { "@id": "LEGIARTI000050444227", "@num": "3", "#text": "Arrêté du 31 octobre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050443324", "@nortexte": "INTE2428510A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-10-31" }, { "@id": "LEGIARTI000050455404", "@num": "3", "#text": "Arrêté du 25 septembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050454816", "@nortexte": "INTE2424585A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-25" }, { "@id": "LEGIARTI000050797642", "@num": "3", "#text": "Arrêté du 19 décembre 2024 - 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Les entreprises d'assurance doivent insérer dans les contrats mentionnés à l'article L. 125-1 une clause étendant leur garantie aux dommages visés au troisième alinéa dudit article.
\n
La garantie ainsi instituée ne peut excepter aucun des biens mentionnés au contrat ni opérer d'autre abattement que ceux qui seront fixés dans les clauses types prévues à l'article L. 125-3.
\n
Elle est couverte par une prime ou cotisation additionnelle, individualisée dans l'avis d'échéance du contrat visé à l'article L. 125-1 et calculée à partir d'un taux unique défini par arrêté pour chaque catégorie de contrat. Ce taux est appliqué au montant de la prime ou cotisation principale ou au montant des capitaux assurés, selon la catégorie de contrat.
\n
Les indemnisations résultant de cette garantie doivent être attribuées dans un délai de trois mois à compter de la date de remise de l'état estimatif des biens endommagés ou des pertes subies, sans préjudice de dispositions contractuelles plus favorables, ou de la date de publication, lorsque celle-ci est postérieure, de la décision administrative constatant l'état de catastrophe naturelle.
" } }, "LEGIARTI000006792616": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L125-2", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2004-08-17", "DATE_DEBUT": "2003-07-31" } }, "META_COMMUN": { "ID": "LEGIARTI000006792616", "URL": "article/LEGI/ARTI/00/00/06/79/26/LEGIARTI000006792616.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AHAXXXXXXXX1X125L02AXXAB" } }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000305911", "#text": "Décret 76-666 1976-07-16", "@sens": "source", "@cidtexte": "JORFTEXT000000305911", "@numtexte": "76-666", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "1976-07-16" }, { "@id": "LEGIARTI000006848428", "@num": "13", "#text": "Loi n°95-101 du 2 février 1995 - art. 13 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000551804", "@nortexte": "ENVX9400049L", "@numtexte": "95-101", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1995-02-02" }, { "@id": "LEGIARTI000006321653", "@num": "75", "#text": "Loi - 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art. 1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000019344754", "@nortexte": "ECET0819128A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2008-08-12" }, { "@id": "LEGIARTI000020414756", "@num": "1", "#text": "Arrêté du 4 mars 2009 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000020414064", "@nortexte": "DEVP0900412A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2009-03-04" }, { "@id": "LEGIARTI000043460365", "@num": "1", "#text": "Décret n°2021-518 du 29 avril 2021 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000043458697", "@nortexte": "TREP2101756D", "@numtexte": "2021-518", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-04-29" }, { "@id": "LEGIARTI000046363287", "@num": "1", "#text": "Décret n°2022-1289 du 1er octobre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046362782", "@nortexte": "TREP2132891D", "@numtexte": "2022-1289", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-10-01" }, { "@id": "LEGIARTI000048069560", "@num": "3", "#text": "Arrêté du 25 avril 2023 - 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Les entreprises d'assurance doivent insérer dans les contrats mentionnés à l'article L. 125-1 une clause étendant leur garantie aux dommages visés au troisième alinéa dudit article.
\n
La garantie ainsi instituée ne peut excepter aucun des biens mentionnés au contrat ni opérer d'autre abattement que ceux qui seront fixés dans les clauses types prévues à l'article L. 125-3.
\n
Elle est couverte par une prime ou cotisation additionnelle, individualisée dans l'avis d'échéance du contrat visé à l'article L. 125-1 et calculée à partir d'un taux unique défini par arrêté pour chaque catégorie de contrat. Ce taux est appliqué au montant de la prime ou cotisation principale ou au montant des capitaux assurés, selon la catégorie de contrat.
\n
Les indemnisations résultant de cette garantie doivent être attribuées dans un délai de trois mois à compter de la date de remise de l'état estimatif des biens endommagés ou des pertes subies, sans préjudice de dispositions contractuelles plus favorables, ou de la date de publication, lorsque celle-ci est postérieure, de la décision administrative constatant l'état de catastrophe naturelle.
\n
En tout état de cause, une provision sur les indemnités dues au titre de cette garantie doit être versée à l'assuré dans les deux mois qui suivent la date de remise de l'état estimatif des biens endommagés ou des pertes subies, ou la date de publication, lorsque celle-ci est postérieure, de la décision administrative constatant l'état de catastrophe naturelle.
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art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000049092407", "@nortexte": "ECOT2325879D", "@numtexte": "2024-82", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-02-05" }, { "@id": "LEGIARTI000049113731", "@num": "3", "#text": "Arrêté du 30 janvier 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049111654", "@nortexte": "IOME2402725A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-30" }, { "@id": "LEGIARTI000049113753", "@num": "3", "#text": "Arrêté du 31 janvier 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049111676", "@nortexte": "IOME2334295A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-31" }, { "@id": "LEGIARTI000049186492", "@num": "3", "#text": "Arrêté du 12 février 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049184269", "@nortexte": "IOME2403657A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-02-12" }, { "@id": "LEGIARTI000049196229", "@num": "3", "#text": "Arrêté du 13 février 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049190880", "@nortexte": "IOME2403659A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-02-13" }, { "@id": "LEGIARTI000049255404", "@num": "3", "#text": "Arrêté du 7 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049253235", "@nortexte": "IOME2407004A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-07" }, { "@id": "LEGIARTI000049383426", "@num": "3", "#text": "Arrêté du 18 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049375511", "@nortexte": "IOME2407754A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-18" }, { "@id": "LEGIARTI000049383450", "@num": "3", "#text": "Arrêté du 19 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049375535", "@nortexte": "IOME2407755A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-19" }, { "@id": "LEGIARTI000049484168", "@num": "3", "#text": "Arrêté du 15 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049477833", "@nortexte": "IOME2410378A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-15" }, { "@id": "LEGIARTI000049484203", "@num": "3", "#text": "Arrêté du 16 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049477863", "@nortexte": "IOME2410383A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-16" }, { "@id": "LEGIARTI000049633301", "@num": "3", "#text": "Arrêté du 29 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049629946", "@nortexte": "IOME2411920A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-29" }, { "@id": "LEGIARTI000049708449", "@num": "3", "#text": "Arrêté du 5 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049707802", "@nortexte": "IOME2415152A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-05" }, { "@id": "LEGIARTI000049813537", "@num": "3", "#text": "Arrêté du 17 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049797859", "@nortexte": "IOME2415880A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-17" }, { "@id": "LEGIARTI000049860110", "@num": "3", "#text": "Arrêté du 18 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049858629", "@nortexte": "IOME2415881A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-18" }, { "@id": "LEGIARTI000049897857", "@num": "3", "#text": "Arrêté du 4 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049891990", "@nortexte": "IOME2418595A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-04" }, { "@id": "LEGIARTI000050072333", "@num": "3", "#text": "Arrêté du 22 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050069497", "@nortexte": "IOME2420215A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-22" }, { "@id": "LEGIARTI000050072360", "@num": "3", "#text": "Arrêté du 23 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050069521", "@nortexte": "IOME2420217A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-23" }, { "@id": "LEGIARTI000050126433", "@num": "3", "#text": "Arrêté du 1er août 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050126179", "@nortexte": "IOME2421328A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-08-01" }, { "@id": "LEGIARTI000050284791", "@num": "3", "#text": "Arrêté du 23 septembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050278250", "@nortexte": "INTE2424582A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-23" }, { "@id": "LEGIARTI000050377680", "@num": "3", "#text": "Arrêté du 24 septembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050373949", "@nortexte": "INTE2424583A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-24" }, { "@id": "LEGIARTI000050399872", "@num": "3", "#text": "Arrêté du 23 octobre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050397283", "@nortexte": "INTE2428153A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-10-23" }, { "@id": "LEGIARTI000050430600", "@num": "3", "#text": "Arrêté du 14 octobre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050428510", "@nortexte": "INTE2427051A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-10-14" }, { "@id": "LEGIARTI000050444227", "@num": "3", "#text": "Arrêté du 31 octobre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050443324", "@nortexte": "INTE2428510A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-10-31" }, { "@id": "LEGIARTI000050455404", "@num": "3", "#text": "Arrêté du 25 septembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050454816", "@nortexte": "INTE2424585A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-25" }, { "@id": "LEGIARTI000050797642", "@num": "3", "#text": "Arrêté du 19 décembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050797571", "@nortexte": "INTE2434565A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-12-19" }, { "@id": "LEGIARTI000050807413", "@num": "3", "#text": "Arrêté du 16 décembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050805109", "@nortexte": "INTE2433751A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-12-16" }, { "@id": "LEGIARTI000050810631", "@num": "3", "#text": "Arrêté du 17 décembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050805134", "@nortexte": "INTE2433750A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-12-17" }, { "@id": "LEGIARTI000051140443", "@num": "3", "#text": "Arrêté du 20 janvier 2025 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051138864", "@nortexte": "INTE2501371A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-01-20" }, { "@id": "LEGIARTI000051148948", "@num": "3", "#text": "Arrêté du 6 février 2025 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051145773", "@nortexte": "INTE2503788A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-02-06" }, { "@id": "LEGIARTI000051195556", "@num": "3", "#text": "Arrêté du 13 février 2025 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051194641", "@nortexte": "INTE2504355A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-02-13" }, { "@id": "LEGIARTI000051245400", "@num": "3", "#text": "Arrêté du 21 janvier 2025 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051244878", "@nortexte": "INTE2501376A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-01-21" }, { "@id": "LEGIARTI000051250657", "@num": "3", "#text": "Arrêté du 25 février 2025 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051249384", "@nortexte": "INTE2505372A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-02-25" }, { "@id": "LEGIARTI000051274907", "@num": "3", "#text": "Arrêté du 24 février 2025 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051270668", "@nortexte": "INTE2505371A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-02-24" }, { "@id": "LEGIARTI000051313341", "@num": "3", "#text": "Arrêté du 7 mars 2025 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051312531", "@nortexte": "INTE2506758A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-07" }, { "@id": "LEGIARTI000006306789", "@num": "1635 bis AD", "#text": "CODE GENERAL DES IMPOTS, CGI. - art. 1635 bis AD (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069577", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000047522748", "@num": "D561-12-7", "#text": "Code de l'environnement - art. D561-12-7 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074220", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000047810693", "@num": "L125-5", "#text": "Code de l'environnement - art. L125-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074220", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000048849397", "@num": "L561-1", "#text": "Code de l'environnement - art. L561-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074220", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044374945", "@num": "L561-3", "#text": "Code de l'environnement - art. L561-3 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074220", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000049492548", "@num": "R125-24", "#text": "Code de l'environnement - art. R125-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074220", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050726126", "@num": "R132-9", "#text": "Code de la construction et de l'habitation. - art. R132-9 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074096", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006792610", "@num": "L125-1", "#text": "Code des assurances - art. L125-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006792618", "@num": "L125-3", "#text": "Code des assurances - art. L125-3 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044607745", "@num": "L125-6", "#text": "Code des assurances - art. L125-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000047925550", "@num": "L194-1", "#text": "Code des assurances - art. L194-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006811943", "@num": "R125-4", "#text": "Code des assurances - art. R*125-4 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000049094128", "@num": "R125-7", "#text": "Code des assurances - art. R125-7 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006812329", "@num": "R250-2", "#text": "Code des assurances - art. R250-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036768865", "@num": "R250-3", "#text": "Code des assurances - art. R250-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006157250", "@fin": "2999-01-01", "#text": "Chapitre V : L'assurance des risques de catastrophes naturelles.", "@debut": "1985-08-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006142679", "@fin": "2012-07-01", "#text": "Titre II : Règles relatives aux assurances de dommages non maritimes", "@debut": "1976-07-21" }, { "@id": "LEGISCTA000024376800", "@fin": "2999-01-01", "#text": "Titre II : Règles relatives aux assurances de dommages", "@debut": "2012-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006128391", "@fin": "2999-01-01", "#text": "Livre Ier : Le contrat", "@debut": "1976-07-21" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006107964", "@fin": "2999-01-01", "#text": "Partie législative", "@debut": "1976-07-16" } ] }, "@cid": "LEGITEXT000006073984", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code des assurances", "@debut": "1976-07-11", "@id_txt": "LEGITEXT000006073984", "@c_titre_court": "Code des assurances" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006792615", "@fin": "2003-07-31", "@num": "L125-2", "@etat": "MODIFIE", "@debut": "1985-08-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006792616", "@fin": "2004-08-17", "@num": "L125-2", "@etat": "MODIFIE", "@debut": "2003-07-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006792617", "@fin": "2023-01-01", "@num": "L125-2", "@etat": "MODIFIE", "@debut": "2004-08-17", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000044607736", "@fin": "2024-01-01", "@num": "L125-2", "@etat": "MODIFIE", "@debut": "2023-01-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000047109081", "@fin": "2999-01-01", "@num": "L125-2", "@etat": "VIGUEUR", "@debut": "2024-01-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Les entreprises d'assurance doivent insérer dans les contrats mentionnés à l'article L. 125-1 une clause étendant leur garantie aux dommages visés au troisième alinéa dudit article.

La garantie ainsi instituée ne peut excepter aucun des biens mentionnés au contrat ni opérer d'autre abattement que ceux qui seront fixés dans les clauses types prévues à l'article L. 125-3.

Elle est couverte par une prime ou cotisation additionnelle, individualisée dans l'avis d'échéance du contrat visé à l'article L. 125-1 et calculée à partir d'un taux unique défini par arrêté pour chaque catégorie de contrat. Ce taux est appliqué au montant de la prime ou cotisation principale ou au montant des capitaux assurés, selon la catégorie de contrat.

Les indemnisations résultant de cette garantie doivent être attribuées aux assurés dans un délai de trois mois à compter de la date de remise de l'état estimatif des biens endommagés ou des pertes subies, sans préjudice de dispositions contractuelles plus favorables, ou de la date de publication, lorsque celle-ci est postérieure, de la décision administrative constatant l'état de catastrophe naturelle. Les indemnisations résultant de cette garantie ne peuvent faire l'objet d'aucune franchise non prévue explicitement par le contrat d'assurance. Les franchises éventuelles doivent également être mentionnées dans chaque document fourni par l'assureur et décrivant les conditions d'indemnisation. Ces conditions doivent être rappelées chaque année à l'assuré.

En tout état de cause, une provision sur les indemnités dues au titre de cette garantie doit être versée à l'assuré dans les deux mois qui suivent la date de remise de l'état estimatif des biens endommagés ou des pertes subies, ou la date de publication, lorsque celle-ci est postérieure, de la décision administrative constatant l'état de catastrophe naturelle.

" } }, "LEGIARTI000044607736": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L125-2", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2024-01-01", "DATE_DEBUT": "2023-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000044607736", "URL": "article/LEGI/ARTI/00/00/44/60/77/LEGIARTI000044607736.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément au deuxième alinéa de l'article 10 de la loi n° 2021-1837 du 28 décembre 2021, ces dispositions entrent en vigueur le premier jour du treizième mois suivant la publication de ladite loi.

" }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000305911", "#text": "Décret n° 76-666 du 16 juillet 1976", "@sens": "source", "@cidtexte": "JORFTEXT000000305911", "@numtexte": "76-666", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "1976-07-16" }, { "@id": "LEGIARTI000006848428", "@num": "13", "#text": "Loi n°95-101 du 2 février 1995 - art. 13 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000551804", "@nortexte": "ENVX9400049L", "@numtexte": "95-101", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1995-02-02" }, { "@id": "LEGIARTI000006321653", "@num": "75", "#text": "Loi - art. 75 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000781906", "@nortexte": "ECOX0200157L", "@numtexte": "2002-1576", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2002-12-30" }, { "@id": "LEGIARTI000006218536", "@num": "1", "#text": "Décret n°2003-350 du 14 avril 2003 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000236167", "@nortexte": "DEVP0310036D", "@numtexte": "2003-350", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2003-04-14" }, { "@id": "LEGIARTI000006218537", "@num": "2", "#text": "Décret n°2003-350 du 14 avril 2003 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000236167", "@nortexte": "DEVP0310036D", "@numtexte": "2003-350", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2003-04-14" }, { "@id": "LEGIARTI000019346878", "@num": "1", "#text": "Arrêté du 12 août 2008 - art. 1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000019344754", "@nortexte": "ECET0819128A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2008-08-12" }, { "@id": "LEGIARTI000020414756", "@num": "1", "#text": "Arrêté du 4 mars 2009 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000020414064", "@nortexte": "DEVP0900412A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2009-03-04" }, { "@id": "LEGIARTI000043460365", "@num": "1", "#text": "Décret n°2021-518 du 29 avril 2021 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000043458697", "@nortexte": "TREP2101756D", "@numtexte": "2021-518", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-04-29" }, { "@id": "LEGIARTI000044604397", "@num": "3", "#text": "LOI n°2021-1837 du 28 décembre 2021 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000044589864", "@nortexte": "ECOX2035385L", "@numtexte": "2021-1837", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2021-12-28" }, { "@id": "LEGIARTI000044604403", "@num": "6", "#text": "LOI n°2021-1837 du 28 décembre 2021 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000044589864", "@nortexte": "ECOX2035385L", "@numtexte": "2021-1837", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2021-12-28" }, { "@id": "LEGIARTI000046363287", "@num": "1", "#text": "Décret n°2022-1289 du 1er octobre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046362782", "@nortexte": "TREP2132891D", "@numtexte": "2022-1289", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-10-01" }, { "@id": "LEGIARTI000048069560", "@num": "3", "#text": "Arrêté du 25 avril 2023 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000047663262", "@nortexte": "IOME2311008A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2023-04-25" }, { "@id": "LEGIARTI000047794050", "@num": "3", "#text": "Arrêté du 19 juin 2023 - 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Les entreprises d'assurance doivent insérer dans les contrats mentionnés à l'article L. 125-1 une clause étendant leur garantie aux dommages visés au troisième alinéa dudit article.

La garantie ainsi instituée ne peut excepter aucun des biens mentionnés au contrat ni opérer d'autre abattement que ceux qui seront fixés dans les clauses types prévues à l'article L. 125-3.

A compter de la réception de la déclaration du sinistre ou de la date de publication, lorsque celle-ci est postérieure, de la décision administrative constatant l'état de catastrophe naturelle, l'assureur dispose d'un délai d'un mois pour informer l'assuré des modalités de mise en jeu des garanties prévues au contrat et pour ordonner une expertise lorsque l'assureur le juge nécessaire. Il fait une proposition d'indemnisation ou de réparation en nature résultant de cette garantie, dans un délai d'un mois à compter soit de la réception de l'état estimatif transmis par l'assuré en l'absence d'expertise, soit de la réception du rapport d'expertise définitif. A compter de la réception de l'accord de l'assuré sur la proposition d'indemnisation, l'assureur dispose d'un délai d'un mois pour missionner l'entreprise de réparation ou d'un délai de vingt et un jours pour verser l'indemnisation due. A défaut, et sauf cas fortuit ou de force majeure, l'indemnité due par l'assureur porte, à compter de l'expiration de ce dernier délai, intérêt au taux de l'intérêt légal. L'ensemble des délais auxquels sont soumis les assureurs s'applique sans préjudice des stipulations contractuelles plus favorables. Les indemnisations résultant de cette garantie sont soumises à une franchise dont les caractéristiques sont définies par décret. Ces caractéristiques, notamment le montant de cette franchise, tiennent compte de l'aléa ; pour les professionnels et pour les personnes morales de droit privé ou de droit public, elles tiennent compte de l'importance des capitaux assurés, de l'usage et la taille des biens assurés. Pour les véhicules terrestres à moteur et les biens qui ne sont pas destinés à un usage professionnel, elles peuvent tenir compte des franchises applicables aux autres garanties portant sur des aléas naturels prévues dans les contrats mentionnés à l'article L. 125-1. Les franchises doivent également être mentionnées dans chaque document fourni par l'assureur et décrivant les conditions d'indemnisation. Ces conditions doivent être rappelées chaque année à l'assuré. Dans la limite du montant de la valeur de la chose assurée au moment du sinistre, les indemnisations dues à l'assuré au titre des sinistres liés aux mouvements de terrain différentiels consécutifs à la sécheresse-réhydratation des sols couvrent les travaux permettant un arrêt des désordres existants consécutifs à l'événement lorsque l'expertise constate une atteinte à la solidité du bâtiment ou un état du bien le rendant impropre à sa destination. Les contrats mentionnés à l'article L. 125-1, nonobstant toute stipulation contraire, sont réputés inclure une clause prévoyant l'obligation pour l'assuré de donner avis à l'assureur de tout sinistre de nature à entraîner la garantie mentionnée au même article L. 125-1, dès qu'il en a eu connaissance, et au plus tard trente jours après la publication de l'arrêté de reconnaissance de l'état de catastrophe naturelle. L'assureur communique à l'assuré le rapport d'expertise définitif relatif au sinistre déclaré. Dans le cas des sinistres causés par le phénomène de sécheresse-réhydratation des sols, l'assureur communique également à l'assuré un compte rendu des constatations effectuées lors de chaque visite. La police d'assurance indique, pour les contrats souscrits par une personne physique et garantissant les dommages aux biens à usage d'habitation ou aux véhicules terrestres à moteur à usage non professionnel, la possibilité, en cas de litige relatif à l'application de la garantie catastrophe naturelle, de recourir à une contre-expertise. En cas de contestation de l'assuré auprès de l'assureur des conclusions du rapport d'expertise, l'assureur informe l'assuré de sa faculté de faire réaliser une contre-expertise dans les conditions prévues au contrat et de se faire assister par un expert de son choix.

A l'exception des biens assurés par les collectivités territoriales ou par leurs groupements pour lesquels un plan de prévention des risques naturels prévisibles a été prescrit mais non approuvé dans les délais réglementaires, aucune modulation de franchise à la charge des assurés ne peut être appliquée en raison de l'absence, dans ces collectivités territoriales ou ces groupements, d'un plan de prévention des risques naturels prévisibles prévu à l'article L. 562-1 du code de l'environnement.

" } }, "LEGIARTI000047109081": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L125-2", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2024-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000047109081", "URL": "article/LEGI/ARTI/00/00/47/10/90/LEGIARTI000047109081.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément à l'article 3 de l'ordonnance n° 2023-78 du 8 février 2023, ces dispositions entrent en vigueur à une date fixée par décret et au plus tard le 1er janvier 2024.

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art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049111676", "@nortexte": "IOME2334295A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-01-31" }, { "@id": "LEGIARTI000049186492", "@num": "3", "#text": "Arrêté du 12 février 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049184269", "@nortexte": "IOME2403657A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-02-12" }, { "@id": "LEGIARTI000049196229", "@num": "3", "#text": "Arrêté du 13 février 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049190880", "@nortexte": "IOME2403659A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-02-13" }, { "@id": "LEGIARTI000049255404", "@num": "3", "#text": "Arrêté du 7 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049253235", "@nortexte": "IOME2407004A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-07" }, { "@id": "LEGIARTI000049383426", "@num": "3", "#text": "Arrêté du 18 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049375511", "@nortexte": "IOME2407754A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-18" }, { "@id": "LEGIARTI000049383450", "@num": "3", "#text": "Arrêté du 19 mars 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049375535", "@nortexte": "IOME2407755A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-19" }, { "@id": "LEGIARTI000049484168", "@num": "3", "#text": "Arrêté du 15 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049477833", "@nortexte": "IOME2410378A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-15" }, { "@id": "LEGIARTI000049484203", "@num": "3", "#text": "Arrêté du 16 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049477863", "@nortexte": "IOME2410383A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-16" }, { "@id": "LEGIARTI000049633301", "@num": "3", "#text": "Arrêté du 29 avril 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049629946", "@nortexte": "IOME2411920A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-04-29" }, { "@id": "LEGIARTI000049708449", "@num": "3", "#text": "Arrêté du 5 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049707802", "@nortexte": "IOME2415152A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-05" }, { "@id": "LEGIARTI000049813537", "@num": "3", "#text": "Arrêté du 17 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049797859", "@nortexte": "IOME2415880A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-17" }, { "@id": "LEGIARTI000049860110", "@num": "3", "#text": "Arrêté du 18 juin 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049858629", "@nortexte": "IOME2415881A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-06-18" }, { "@id": "LEGIARTI000049897857", "@num": "3", "#text": "Arrêté du 4 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049891990", "@nortexte": "IOME2418595A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-04" }, { "@id": "LEGIARTI000050072333", "@num": "3", "#text": "Arrêté du 22 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050069497", "@nortexte": "IOME2420215A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-22" }, { "@id": "LEGIARTI000050072360", "@num": "3", "#text": "Arrêté du 23 juillet 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050069521", "@nortexte": "IOME2420217A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-07-23" }, { "@id": "LEGIARTI000050126433", "@num": "3", "#text": "Arrêté du 1er août 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050126179", "@nortexte": "IOME2421328A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-08-01" }, { "@id": "LEGIARTI000050284791", "@num": "3", "#text": "Arrêté du 23 septembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050278250", "@nortexte": "INTE2424582A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-23" }, { "@id": "LEGIARTI000050377680", "@num": "3", "#text": "Arrêté du 24 septembre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050373949", "@nortexte": "INTE2424583A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-24" }, { "@id": "LEGIARTI000050399872", "@num": "3", "#text": "Arrêté du 23 octobre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050397283", "@nortexte": "INTE2428153A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-10-23" }, { "@id": "LEGIARTI000050430600", "@num": "3", "#text": "Arrêté du 14 octobre 2024 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050428510", "@nortexte": "INTE2427051A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-10-14" }, { "@id": "LEGIARTI000050444227", "@num": "3", "#text": "Arrêté du 31 octobre 2024 - 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Les entreprises d'assurance doivent insérer dans les contrats mentionnés à l'article L. 125-1 une clause étendant leur garantie aux dommages visés au troisième alinéa dudit article.

La garantie ainsi instituée ne peut excepter aucun des biens mentionnés au contrat ni opérer d'autre abattement que ceux qui seront fixés dans les clauses types prévues à l'article L. 125-3. Toutefois, pour les dommages ayant eu pour cause déterminante les mouvements de terrain différentiels mentionnés au troisième alinéa de l'article L. 125-1, la garantie est limitée aux dommages susceptibles d'affecter la solidité du bâti ou d'entraver l'usage normal du bâtiment. Un décret en Conseil d'Etat précise les conditions de mise en œuvre de cette garantie, notamment la nature des dommages couverts et les modalités d'indemnisation.

A compter de la réception de la déclaration du sinistre ou de la date de publication, lorsque celle-ci est postérieure, de la décision administrative constatant l'état de catastrophe naturelle, l'assureur dispose d'un délai d'un mois pour informer l'assuré des modalités de mise en jeu des garanties prévues au contrat et pour ordonner une expertise lorsque l'assureur le juge nécessaire. Il fait une proposition d'indemnisation ou de réparation en nature résultant de cette garantie, dans un délai d'un mois à compter soit de la réception de l'état estimatif transmis par l'assuré en l'absence d'expertise, soit de la réception du rapport d'expertise définitif. A compter de la réception de l'accord de l'assuré sur la proposition d'indemnisation, l'assureur dispose d'un délai d'un mois pour missionner l'entreprise de réparation ou d'un délai de vingt et un jours pour verser l'indemnisation due. A défaut, et sauf cas fortuit ou de force majeure, l'indemnité due par l'assureur porte, à compter de l'expiration de ce dernier délai, intérêt au taux de l'intérêt légal. L'ensemble des délais auxquels sont soumis les assureurs s'applique sans préjudice des stipulations contractuelles plus favorables. Les indemnisations résultant de cette garantie sont soumises à une franchise dont les caractéristiques sont définies par décret. Ces caractéristiques, notamment le montant de cette franchise, tiennent compte de l'aléa ; pour les professionnels et pour les personnes morales de droit privé ou de droit public, elles tiennent compte de l'importance des capitaux assurés, de l'usage et la taille des biens assurés. Pour les véhicules terrestres à moteur et les biens qui ne sont pas destinés à un usage professionnel, elles peuvent tenir compte des franchises applicables aux autres garanties portant sur des aléas naturels prévues dans les contrats mentionnés à l'article L. 125-1. Les franchises doivent également être mentionnées dans chaque document fourni par l'assureur et décrivant les conditions d'indemnisation. Ces conditions doivent être rappelées chaque année à l'assuré. Dans la limite du montant de la valeur de la chose assurée au moment du sinistre, les indemnisations dues à l'assuré au titre des sinistres liés aux mouvements de terrain différentiels consécutifs à la sécheresse-réhydratation des sols couvrent les travaux permettant un arrêt des désordres existants consécutifs à l'événement lorsque l'expertise constate une atteinte à la solidité du bâtiment ou un état du bien le rendant impropre à sa destination. Les contrats mentionnés à l'article L. 125-1, nonobstant toute stipulation contraire, sont réputés inclure une clause prévoyant l'obligation pour l'assuré de donner avis à l'assureur de tout sinistre de nature à entraîner la garantie mentionnée au même article L. 125-1, dès qu'il en a eu connaissance, et au plus tard trente jours après la publication de l'arrêté de reconnaissance de l'état de catastrophe naturelle. L'assureur communique à l'assuré le rapport d'expertise définitif relatif au sinistre déclaré. Dans le cas des sinistres causés par le phénomène de sécheresse-réhydratation des sols, l'assureur communique également à l'assuré un compte rendu des constatations effectuées lors de chaque visite. Pour ces sinistres, l'indemnité due par l'assureur doit être utilisée par l'assuré pour réparer les dommages consécutifs aux mouvements de terrain différentiels, sans que cette utilisation ne soit subordonnée à l'adoption préalable de l'arrêté mentionné au troisième alinéa de l'article L. 121-17. Un décret en Conseil d'Etat précise les modalités de mise en œuvre de cette obligation, les cas de dérogation et les conséquences de sa méconnaissance par l'assuré. La police d'assurance indique, pour les contrats souscrits par une personne physique et garantissant les dommages aux biens à usage d'habitation ou aux véhicules terrestres à moteur à usage non professionnel, la possibilité, en cas de litige relatif à l'application de la garantie catastrophe naturelle, de recourir à une contre-expertise. En cas de contestation de l'assuré auprès de l'assureur des conclusions du rapport d'expertise, l'assureur informe l'assuré de sa faculté de faire réaliser une contre-expertise dans les conditions prévues au contrat et de se faire assister par un expert de son choix.

" } }, "LEGIARTI000049094133": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R125-24", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2025-01-01", "DATE_DEBUT": "2024-02-07" } }, "META_COMMUN": { "ID": "LEGIARTI000049094133", "URL": "article/LEGI/ARTI/00/00/49/09/41/LEGIARTI000049094133.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément à l'article 4 du décret n° 2024-82 du 5 février 2024, ces dispositions sont applicables aux sinistres survenus à compter du 1er janvier 2024.

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L'état des risques prévu à l'article L. 125-5 mentionne la date de son élaboration, le numéro de la ou des parcelles concernées et les zones ou périmètres cités à l'article R. 125-23 dans lesquels se situe le bien.

Il est comprend, selon le cas :

1° Pour chacun des plans de prévention des risques mentionnés aux 1° à 4° de l'article R. 125-23 dans le périmètre duquel se trouve le bien, un extrait de document graphique situant ce bien par rapport au zonage réglementaire et l'extrait du règlement le concernant, ainsi qu'une information indiquant si des travaux sont prescrits par ce règlement pour ce bien et s'ils sont été réalisés ;

2° La fiche d'information sur le risque sismique disponible sur le site www. georisques. gouv. fr si le bien est situé dans une commune classée en zone de sismicité de niveau 2,3,4 ou 5 ;

3° La fiche d'information sur le radon disponible sur le site www. georisques. gouv. fr si le bien est situé dans une commune classée en zone à potentiel radon de niveau 3 ;

4° Lorsque le bien est situé dans l'une des zones mentionnées au 7° de l'article R. 125-23, l'indication de l'horizon temporel d'exposition au recul du trait de côte identifié et le rappel des prescriptions applicables à cette zone, la mention du caractère provisoire du zonage lorsque celui est préfiguré au sens des articles L. 121-22-3 ou L. 121-22-7 du code de l'urbanisme et celle de l'application éventuelle au bien des dispositions de l'article L. 121-22-5 du même code ;

5° La liste des arrêtés portant reconnaissance de l'état de catastrophe naturelle pris dans la commune qui ont affecté le bien concerné et qui ont donné lieu au versement d'une indemnité en application de l'article L. 125-2 ou de l'article L. 128-2 du code des assurances.

En cas de vente du bien assuré et lorsqu'il dispose du rapport d'expertise qui lui a été communiqué par l'assureur conformément à l'article L. 125-2 du code des assurances, le vendeur joint à l'état des risques la liste des travaux permettant un arrêt des désordres existants non réalisés bien qu'ayant été indemnisés ou ouvrant droit à une indemnisation et qui sont consécutifs à des dommages matériels directs causés par le phénomène naturel de mouvements de terrain différentiels consécutifs à la sécheresse et à la réhydratation des sols survenus pendant la période au cours de laquelle il a été propriétaire du bien.

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Article 3 ENTIEREMENT_MODIF (Décret n° 2024-82 du 5 février 2024 relatif aux conditions d'indemnisation des conséquences des désordres causés par le phénomène naturel de mouvements de terrain différentiels consécutifs à la sécheresse et à la réhydratation des sols)