{"id":13035,"date":"2024-10-17T11:43:40","date_gmt":"2024-10-17T09:43:40","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=13035"},"modified":"2024-10-17T11:43:40","modified_gmt":"2024-10-17T09:43:40","slug":"valoracions-dels-perits-en-sinistres-multirisc-conceptes-clau","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/valoracions-dels-perits-en-sinistres-multirisc-conceptes-clau\/","title":{"rendered":"Valoracions dels p\u00e8rits en sinistres multirisc: conceptes clau"},"content":{"rendered":"<h5 style=\"font-weight: 400;\">Quan es produeix un sinistre multirisc, generalment d&#8217;assegurances de la llar, la valoraci\u00f3 dels danys per part d\u2019un p\u00e8rit \u00e9s essencial per determinar l&#8217;import a indemnitzar.<\/h5>\n<hr \/>\n<p style=\"font-weight: 400;\">En aquest article, analitzarem els conceptes m\u00e9s importants relacionats amb les valoracions dels p\u00e8rits.<\/p>\n<p style=\"font-weight: 400;\">Abans de comen\u00e7ar, volem explicar que les p\u00f2lisses multirisc, son aquelles que ofereixen varies cobertures en una \u00fanica p\u00f2lissa, com a exemple tenim la p\u00f2lissa de la llar, que ens cobreixen sinistres amb casu\u00edstica per danys el\u00e8ctrics, incendi, aigua, robatori, responsabilitat civil, etc&#8230;<\/p>\n<ol>\n<li style=\"font-weight: 400;\">\n<h3><strong> Valor de Nou<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p style=\"font-weight: 400;\">El valor de nou \u00e9s el cost necessari per substituir un b\u00e9 danyat per un de nou, sense tenir en compte l&#8217;\u00fas ni l&#8217;antiguitat del b\u00e9. Aquesta valoraci\u00f3 \u00e9s habitual en p\u00f2lisses que ofereixen una cobertura completa, ja que permet recuperar l\u2019estat original del b\u00e9 afectat sense p\u00e8rdues econ\u00f2miques per la depreciaci\u00f3.<\/p>\n<ol start=\"2\">\n<li style=\"font-weight: 400;\">\n<h3><strong> Valor Real<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p style=\"font-weight: 400;\">El valor real, tamb\u00e9 conegut com a valor de mercat o valor actual, es calcula tenint en compte l\u2019estat de conservaci\u00f3, l&#8217;edat i l\u2019\u00fas del b\u00e9 en el moment previ al sinistre. Aix\u00f2 significa que, en cas de danys, la compensaci\u00f3 ser\u00e0 inferior al cost de substituci\u00f3, ja que es restar\u00e0 la depreciaci\u00f3 acumulada.<\/p>\n<ol start=\"3\">\n<li style=\"font-weight: 400;\">\n<h3><strong> Regla d&#8217;Equitat<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p style=\"font-weight: 400;\">La regla d&#8217;equitat \u00e9s un principi assegurador molt a tenir en compte quan hi ha un sinistre, i \u00e9s que, si no s\u2019ha contestat de manera correcta el q\u00fcestionari que fa la companyia, podria originar l\u2019aplicaci\u00f3 d\u2019aquesta regla d\u2019equitat. Un exemple podria ser que estem assegurant un pis i realment tenim una casa adossada, o b\u00e9 comentar que tenim alarma connectada i realment no en tenim, en aquests casos els p\u00e8rits aplicarien la regla d\u2019equitat, i es calcula de la seg\u00fcent manera:<\/p>\n<p style=\"font-weight: 400;\"><em>Indemnitzaci\u00f3\u02ca= ( Prima pagada x danys produ\u00efts \/ Prima real te\u00f2rica del risc )<\/em><\/p>\n<ol start=\"4\">\n<li style=\"font-weight: 400;\">\n<h3><strong> Infraasseguran\u00e7a<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p style=\"font-weight: 400;\">La infraasseguran\u00e7a es produeix quan el valor assegurat d\u2019un b\u00e9 \u00e9s inferior al seu valor real o al cost de substituci\u00f3. En cas de sinistre, aix\u00f2 pot resultar en una indemnitzaci\u00f3 redu\u00efda. La f\u00f3rmula per determinar la compensaci\u00f3 en situaci\u00f3 d\u2019infraasseguran\u00e7a \u00e9s:<\/p>\n<p style=\"font-weight: 400;\"><em>Indemnitzaci\u00f3\u02ca= ( Capital assegurat x danys produ\u00efts \/ Capital real te\u00f2ric del risc )<\/em><\/p>\n<p style=\"font-weight: 400;\">Aquesta aplicaci\u00f3 de la regla indicar\u00e0 quin import dels danys ser\u00e0 indemnitzat.<\/p>\n<ol start=\"5\">\n<li style=\"font-weight: 400;\">\n<h3><strong> Peritatge i Documentaci\u00f3<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p style=\"font-weight: 400;\">El proc\u00e9s de peritatge implica una valoraci\u00f3 exhaustiva dels danys i tamb\u00e9 ajudar\u00e0 a aplicar valors de preexist\u00e8ncia en els capitals de continent i contingut.<\/p>\n<p style=\"font-weight: 400;\">El p\u00e8rit recollir\u00e0 informaci\u00f3, far\u00e0 fotografies i, en alguns casos, pot necessitar documentaci\u00f3 addicional com factures o rebuts per calcular el valor correcte dels b\u00e9ns afectats.<\/p>\n<ol start=\"6\">\n<li style=\"font-weight: 400;\">\n<h3><strong> Import\u00e0ncia de la Valoraci\u00f3 Adequada<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p style=\"font-weight: 400;\">Realitzar una valoraci\u00f3 adequada dels b\u00e9ns assegurats no nom\u00e9s \u00e9s important per obtenir una indemnitzaci\u00f3 justa, sin\u00f3 tamb\u00e9 per evitar la infraasseguran\u00e7a. \u00c9s recomanable consultar un assessor d\u2019assegurances per ajustar les cobertures segons les necessitats actuals.<\/p>\n<h3 style=\"font-weight: 400;\"><strong>Conclusi\u00f3<\/strong><\/h3>\n<p style=\"font-weight: 400;\">Entendre les valoracions del p\u00e8rit \u00e9s fonamental en cas de sinistre.<\/p>\n<p style=\"font-weight: 400;\">\u00c9s per aix\u00f2 que a RM Assessors sempre volem garantir als nostres clients que tenen els capitals adequats al seu risc per rebre, en cas de sinistre, la indemnitzaci\u00f3 que els hi correspon.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-11636\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/02\/RM-Assessors-Servei-fiscal@500x625-240x300.jpg\" alt=\"\" width=\"240\" height=\"300\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/02\/RM-Assessors-Servei-fiscal@500x625-240x300.jpg 240w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2024\/02\/RM-Assessors-Servei-fiscal@500x625.jpg 500w\" sizes=\"(max-width: 240px) 100vw, 240px\" \/><\/p>\n<h3><em><span style=\"color: #3366ff;\">Consulteu-nos sense comprom\u00eds trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.<\/span><\/em><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Quan es produeix un sinistre multirisc, generalment d&#8217;assegurances de la llar, la valoraci\u00f3 dels danys per part d\u2019un p\u00e8rit \u00e9s essencial per determinar l&#8217;import a indemnitzar. En aquest article, analitzarem els conceptes m\u00e9s importants relacionats amb les valoracions dels p\u00e8rits. Abans de comen\u00e7ar, volem explicar que les p\u00f2lisses multirisc, son aquelles que ofereixen varies cobertures [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":7096,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","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":"","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":""}},"_joinchat":[],"footnotes":""},"categories":[18,21,41],"tags":[2919,2917,2918],"class_list":["post-13035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","category-butlleti-mensual","category-destacats","tag-intervencio-perit-assegurances","tag-peritacio-sinistres-multirisc","tag-valoracio-danys-assegurances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Valoracions dels p\u00e8rits en sinistres multirisc: conceptes clau | RM Assessors<\/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:\/\/www.rm-assessors.cat\/es\/valoracions-dels-perits-en-sinistres-multirisc-conceptes-clau\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Valoracions dels p\u00e8rits en sinistres multirisc: conceptes clau | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"Quan es produeix un sinistre multirisc, generalment d&#8217;assegurances de la llar, la valoraci\u00f3 dels danys per part d\u2019un p\u00e8rit \u00e9s essencial per determinar l&#8217;import a indemnitzar. En aquest article, analitzarem els conceptes m\u00e9s importants relacionats amb les valoracions dels p\u00e8rits. Abans de comen\u00e7ar, volem explicar que les p\u00f2lisses multirisc, son aquelles que ofereixen varies cobertures [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rm-assessors.cat\/es\/valoracions-dels-perits-en-sinistres-multirisc-conceptes-clau\/\" \/>\n<meta property=\"og:site_name\" content=\"RM Assessors\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/rmassessors\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-17T09:43:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/01\/Deutes-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1707\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Albert\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RMAssessors\" 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