{"id":27059,"date":"2026-03-17T00:01:19","date_gmt":"2026-03-16T22:01:19","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=27059"},"modified":"2026-03-17T00:07:50","modified_gmt":"2026-03-16T22:07:50","slug":"menys-incidents-per-canvi-climatic","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/menys-incidents-per-canvi-climatic\/","title":{"rendered":"Menys incidents per canvi clim\u00e0tic"},"content":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””]<\/p>\n

Els sinistres clim\u00e0tics cauen el 2025<\/b><\/h2>\n

[\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]17\/03\/26<\/em>[\/vc_column_text][vc_column_text css=””]<\/p>\n

El nombre d\u2019incidents i de pagaments descendeix m\u00e9s d\u2019un 12%, amb un total de 492 milions d\u2019euros abonats per cobrir els danys<\/em><\/p>\n

[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1773698237444{margin-bottom: 20px !important;}”]<\/p>\n

Les asseguradores van abonar 492 milions d\u2019euros el 2025 per cobrir danys derivats de 628.800 sinistres relacionats amb fen\u00f2mens meteorol\u00f2gics, segons dades difoses per Unespa. Aquesta xifra suposa un descens del 12,46% respecte al 2024, quan les indemnitzacions van assolir els 562 milions d\u2019euros. Tamb\u00e9 es va reduir el nombre d\u2019incidents gestionats per les companyies, amb una caiguda del 12,8%.<\/p>\n

Durant l\u2019any passat es va registrar una mitjana de 1.723 percances al dia, fet que es va traduir en 1,34 milions d\u2019euros diaris en pagaments per part del sector assegurador. El cost mitj\u00e0 per sinistre va ser de 783 euros, pr\u00e0cticament en l\u00ednia amb l\u2019exercici anterior, quan es va situar en 779 euros.<\/p>\n

Els habitatges van concentrar prop de dos ter\u00e7os dels sinistres ocorreguts el 2025. En termes d\u2019indemnitzacions, el ram de Multirisc Llar va encap\u00e7alar els pagaments amb 213 milions d\u2019euros, equivalents al 43,3% del total. A continuaci\u00f3 es van situar Multirisc Industrial, amb 114 milions, i Autos, amb 77 milions.<\/p>\n

Malgrat aix\u00f2, els expedients m\u00e9s costosos es van registrar en l\u2019\u00e0mbit industrial. En aquest segment, l\u2019import mitj\u00e0 per sinistre va arribar als 3.532 euros, molt per sobre dels 523 euros de mitjana en les llars.<\/p>\n

En el cas del Multirisc Industrial, els expedients situats en el percentil 99,5% van arribar a indemnitzacions de fins a 153.913 euros. En Altres Multiriscos, els casos m\u00e9s extrems van assolir 113.003 euros, mentre que en Comer\u00e7, Llar i Autos els pics es van situar en 28.950, 13.457 i 13.012 euros, respectivament.<\/p>\n

Calamarsa i pluja, protagonistes dels danys<\/b><\/b><\/p>\n

Per tipus de fenomen, la calamarsa va ser la que va generar majors costos mitjans, amb 1.814 euros per sinistre, seguida del vent, amb 739 euros.<\/p>\n

Tanmateix, la pluja va ser el fenomen m\u00e9s freq\u00fcent, ja que va representar m\u00e9s del 58% dels sinistres registrats. Aquest tipus d\u2019esdeveniments va originar pagaments per valor de 178 milions d\u2019euros, una xifra inferior a la del 2024, quan va arribar als 225,7 milions.<\/p>\n

Dies amb major impacte per al sector<\/b><\/b><\/p>\n

La jornada amb major volum d\u2019indemnitzacions va ser l\u201911 de juny, quan les companyies van desemborsar 54,2 milions d\u2019euros, principalment per tempestes de calamarsa. Altres dates destacades van ser el 12 de juliol, amb 35,2 milions, i el 13 de setembre, amb 15,2 milions.<\/p>\n

Distribuci\u00f3 territorial<\/b><\/b><\/p>\n

Per prov\u00edncies, Madrid, Barcelona i Val\u00e8ncia van liderar el r\u00e0nquing d\u2019indemnitzacions, amb 79,2 milions, 40,5 milions i 33,3 milions d\u2019euros, respectivament.<\/p>\n

Madrid tamb\u00e9 va ser la prov\u00edncia amb major nombre de sinistres, en superar els 109.500 incidents. En canvi, els costos mitjans m\u00e9s elevats per expedient es van registrar en prov\u00edncies com Pal\u00e8ncia (2.151 euros per sinistre) i Osca (2.024 euros).<\/p>\n

[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/4″][stm_spacing lg_spacing=”50″ md_spacing=”50″ sm_spacing=”50″ xs_spacing=”50″][vc_column_text]<\/p>\n

\u00daltimes not\u00edcies<\/h2>\n

[\/vc_column_text][stm_news loop=”size:4|order_by:date|order:DESC|post_type:post|categories:8″ posts_per_row=”2″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””] Els sinistres clim\u00e0tics cauen el 2025 [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]17\/03\/26[\/vc_column_text][vc_column_text css=””] El nombre d\u2019incidents i de pagaments descendeix m\u00e9s d\u2019un 12%, amb un total de 492 milions d\u2019euros abonats per cobrir els danys [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1773698237444{margin-bottom: 20px !important;}”] Les asseguradores van abonar 492 milions d\u2019euros el 2025 per cobrir<\/p>\n","protected":false},"author":562,"featured_media":27060,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2162,1868],"class_list":["post-27059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mednews-294","tag-mn-2"],"yoast_head":"\nMenys incidents per canvi clim\u00e0tic - Col-legi de Mediadors d'Assegurances de Barcelona<\/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.elcol-legi.org\/w\/menys-incidents-per-canvi-climatic\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Menys incidents per canvi clim\u00e0tic - Col-legi de Mediadors d'Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=”3\/4″][vc_column_text css=””] Els sinistres clim\u00e0tics cauen el 2025 [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]17\/03\/26[\/vc_column_text][vc_column_text css=””] El nombre d\u2019incidents i de pagaments descendeix m\u00e9s d\u2019un 12%, amb un total de 492 milions d\u2019euros abonats per cobrir els danys [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1773698237444{margin-bottom: 20px !important;}”] Les asseguradores van abonar 492 milions d\u2019euros el 2025 per cobrir\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elcol-legi.org\/w\/menys-incidents-per-canvi-climatic\/\" \/>\n<meta property=\"og:site_name\" content=\"Col-legi de Mediadors d'Assegurances de Barcelona\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-16T22:01:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T22:07:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2026\/03\/cambio-climatico-peter-burdon-Ekzf8kIKizQ-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marc Alcaraz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marc Alcaraz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/menys-incidents-per-canvi-climatic\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/menys-incidents-per-canvi-climatic\\\/\"},\"author\":{\"name\":\"Marc Alcaraz\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"headline\":\"Menys incidents per canvi clim\u00e0tic\",\"datePublished\":\"2026-03-16T22:01:19+00:00\",\"dateModified\":\"2026-03-16T22:07:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/menys-incidents-per-canvi-climatic\\\/\"},\"wordCount\":603,\"image\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/menys-incidents-per-canvi-climatic\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/cambio-climatico-peter-burdon-Ekzf8kIKizQ-unsplash-scaled.jpg\",\"keywords\":[\"MedNews 294\",\"MN\"],\"articleSection\":[\"Not\u00edcies\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/menys-incidents-per-canvi-climatic\\\/\",\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/menys-incidents-per-canvi-climatic\\\/\",\"name\":\"Menys incidents per canvi clim\u00e0tic - 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