{"id":19410,"date":"2021-12-06T10:37:18","date_gmt":"2021-12-06T09:37:18","guid":{"rendered":"https:\/\/www.guide-renovation.be\/?p=19410"},"modified":"2024-01-31T15:28:47","modified_gmt":"2024-01-31T14:28:47","slug":"assurance-trc","status":"publish","type":"page","link":"https:\/\/www.guide-renovation.be\/news\/assurance-trc","title":{"rendered":"Qu\u2019est-ce que l\u2019assurance TRC ?"},"content":{"rendered":"\n<p>Beaucoup de choses peuvent mal tourner pendant une r\u00e9novation. L\u2019assurance TRC assure la protection de votre projet de r\u00e9novation.<\/p>\n\n\n<div class=\"wp-block-image is-style-rounded\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.guide-renovation.be\/wp-content\/uploads\/sites\/2\/2021\/12\/assurance-trc-chantier.jpg\" alt=\"assurance trc chantier\" class=\"wp-image-19413\" width=\"500\" height=\"334\" \/><\/figure><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Sommaire<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.guide-renovation.be\/news\/assurance-trc\/#Quest-ce_quune_assurance_TRC\" title=\"Qu\u2019est-ce qu\u2019une assurance TRC ?\">Qu\u2019est-ce qu\u2019une assurance TRC ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.guide-renovation.be\/news\/assurance-trc\/#Que_couvre_lassurance_TRC\" title=\"Que couvre l\u2019assurance TRC ?\">Que couvre l\u2019assurance TRC ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.guide-renovation.be\/news\/assurance-trc\/#Que_ne_couvre_pas_lassurance_TRC\" title=\"Que ne couvre pas l\u2019assurance TRC ?\">Que ne couvre pas l\u2019assurance TRC ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.guide-renovation.be\/news\/assurance-trc\/#Quelques_points_dattention\" title=\"Quelques points d\u2019attention\">Quelques points d\u2019attention<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.guide-renovation.be\/news\/assurance-trc\/#A_la_recherche_dun_entrepreneur\" title=\" A la recherche d&#8217;un entrepreneur ? \"> A la recherche d&#8217;un entrepreneur ? <\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quest-ce_quune_assurance_TRC\"><\/span>Qu\u2019est-ce qu\u2019une assurance TRC ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>L\u2019assurance Tous Risques Chantier (TRC) ou assurance chantier <strong>couvre les d\u00e9g\u00e2ts occasionn\u00e9s<\/strong> <strong>au chantier, aux ouvrages et aux mat\u00e9riaux<\/strong> qui sont survenus lors de la <a rel=\"noreferrer noopener\" href=\"https:\/\/www.guide-renovation.be\/\" target=\"_blank\">r\u00e9novation d\u2019une habitation<\/a>.<\/p>\n\n\n\n<p>Etant donn\u00e9 que de nombreuses personnes travaillent sur un chantier, celles-ci peuvent commettre des erreurs et ainsi occasionner des dommages. <\/p>\n\n\n\n<p>Ces derniers peuvent \u00e9galement \u00eatre occasionn\u00e9s par un incendie ou des conditions climatiques d\u00e9favorables.<\/p>\n\n\n\n<p>Votre <a href=\"https:\/\/www.assurances.be\/assurance-incendie\" target=\"_blank\" rel=\"noreferrer noopener\">assurance incendie<\/a> n\u2019offre pas une couverture suffisante pour ces risques.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_couvre_lassurance_TRC\"><\/span>Que couvre l\u2019assurance TRC ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La<strong> couverture offerte par une assurance TRC peut varier<\/strong> d\u2019un assureur \u00e0 l\u2019autre. G\u00e9n\u00e9ralement, elle couvre :<\/p>\n\n\n\n<ul><li>Dommages mat\u00e9riels au b\u00e2timent en raison de travaux ou de l\u2019entretien<\/li><li>Vol sur le chantier : pertes et dommages aux b\u00e2timents<\/li><li>Accidents sur le chantier : frais m\u00e9dicaux \u00e0 la suite d\u2019un accident<\/li><\/ul>\n\n\n\n<p>Vous pouvez faire inscrire deux assurances compl\u00e9mentaires :<\/p>\n\n\n\n<ul><li><strong>La responsabilit\u00e9 civile pour les dommages occasionn\u00e9s aux tiers.<\/strong> Celle-ci ne peut \u00eatre souscrite s\u00e9par\u00e9ment. Si vous optez pour cette couverture facultative, le ma\u00eetre d\u2019ouvrage ainsi que ses ouvriers seront assur\u00e9s.<\/li><li><strong>Les dommages mat\u00e9riels<\/strong> caus\u00e9s \u00e0 vos biens et mat\u00e9riaux de chantier ainsi qu\u2019aux installations temporaires et aux \u00e9quipements. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_ne_couvre_pas_lassurance_TRC\"><\/span>Que ne couvre pas l\u2019assurance TRC ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Quelques exemples :<\/p>\n\n\n\n<ul><li>Les dommages intentionnels caus\u00e9s par l\u2019assur\u00e9<\/li><li>Les dommages caus\u00e9s par : la guerre, un conflit arm\u00e9, un attentat, le terrorisme et l\u2019\u00e9nergie nucl\u00e9aire<\/li><li>Les dommages aux biens confi\u00e9s<\/li><\/ul>\n\n\n\n<p>Un certain nombre d\u2019\u00e9l\u00e9ments ne sont en outre g\u00e9n\u00e9ralement pas couverts :<\/p>\n\n\n\n<ul><li>Amendes<\/li><li>Usure<\/li><li>Dommages aux travaux par des entrepreneurs non enregistr\u00e9s<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quelques_points_dattention\"><\/span>Quelques points d\u2019attention<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Il est important que l\u2019assur\u00e9 mentionne dans la police d\u2019assurance toutes les personnes qui travaillent au projet de construction, telles que le ma\u00eetre d\u2019ouvrage, le commanditaire, l\u2019entrepreneur, l\u2019architecte\u2026, ce qui permet d\u2019assurer tout le monde dans une seule police. En cas de dommage, cela peut mener \u00e0 une meilleure gestion des sinistres et \u00e0 une indemnisation plus rapide.<\/p>\n\n\n\n<p>Il convient que le ma\u00eetre de l\u2019ouvrage souscrive la police d\u2019assurance pour que celui-ci soit au courant de tout. La police peut \u00e9galement \u00eatre souscrite par l\u2019entrepreneur.<\/p>\n\n\n\n<p>Il est pr\u00e9f\u00e9rable de contracter l\u2019assurance avant le d\u00e9but des travaux.<br>V\u00e9rifiez la dur\u00e9e de la couverture. Une construction ou une r\u00e9novation peut en effet durer plus longtemps que pr\u00e9vu. La plupart du temps, la dur\u00e9e d\u2019une assurance TRC est de 12 mois.<\/p>\n\n\n\n<p>Surveillez les capitaux assur\u00e9s des couvertures car ils peuvent varier.<\/p>\n\n\n<div class=\"extra-info\">\n<h2><span class=\"ez-toc-section\" id=\"A_la_recherche_dun_entrepreneur\"><\/span><i class=\"fas fa-lightbulb\" style=\"color: #ffa700\"><\/i> A la recherche d&#8217;un entrepreneur ? <i class=\"fas fa-lightbulb\" style=\"color: #ffa700\"><\/i><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vous avez besoin d&#8217;aide pour vos travaux de r\u00e9novation ? Vous trouverez sur ce site toutes les informations n\u00e9cessaires sur les travaux de r\u00e9novation. N&#8217;oubliez pas de demander des devis gratuits et sans engagement pour comparer les diff\u00e9rentes soci\u00e9t\u00e9s de votre r\u00e9gion. \u00c9conomisez jusqu&#8217;\u00e0 30% en seulement 2 minutes !<br><span style=\"font-size: 28px\">\u261e<\/span> <a href=\"https:\/\/www.guide-renovation.be\/demande-de-devis\">Demandez vos devis GRATUITS et sans engagement d\u00e8s aujourd&#8217;hui<\/a><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Beaucoup de choses peuvent mal tourner pendant une r\u00e9novation. L\u2019assurance TRC assure la protection de votre projet de r\u00e9novation. Qu\u2019est-ce qu\u2019une assurance TRC ? L\u2019assurance Tous Risques Chantier (TRC) ou assurance chantier couvre les d\u00e9g\u00e2ts occasionn\u00e9s au chantier, aux ouvrages et aux mat\u00e9riaux qui sont survenus lors de la r\u00e9novation d\u2019une habitation. Etant donn\u00e9 que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19413,"parent":22826,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qu\u2019est-ce que l\u2019assurance TRC ? - Guide Renovation<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez tout ce qu&#039;il faut savoir sur l&#039;assurance TRC | Guide-R\u00e9novation.be, la r\u00e9f\u00e9rence concernant les travaux de r\u00e9novation en Belgique.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.guide-renovation.be\/news\/assurance-trc\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u2019est-ce que l\u2019assurance TRC ? 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