{"id":28522,"date":"2026-07-28T17:21:59","date_gmt":"2026-07-28T15:21:59","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=28522"},"modified":"2026-07-28T17:41:57","modified_gmt":"2026-07-28T15:41:57","slug":"linfern-dels-incendis","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/linfern-dels-incendis\/","title":{"rendered":"L’infern dels incendis"},"content":{"rendered":"

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

El desastre dels incendis: com reclamar a l\u2019asseguran\u00e7a<\/strong><\/h2>\n

[\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]30\/07\/26<\/em>[\/vc_column_text][vc_column_text css=””]<\/p>\n

Cal revisar les cobertures i documentar els danys amb fotografies<\/em><\/p>\n

[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1785251879413{margin-bottom: 20px !important;}”]<\/p>\n

La gran onada d\u2019incendis que afecta diverses prov\u00edncies d\u2019Espanya est\u00e0 deixant un panorama desolador en moltes zones: habitatges destru\u00efts, camps calcinats i vehicles inservibles. Els danys materials s\u00f3n molt importants i, en molts casos, encara trigaran temps a poder-se quantificar de manera definitiva. Un cop extingit l\u2019incendi, arriba el moment de comen\u00e7ar la reconstrucci\u00f3 i de contactar amb l\u2019asseguradora per iniciar la reclamaci\u00f3 dels danys.<\/p>\n

Els incendis que assolen Espanya aquest estiu han cremat una superf\u00edcie sis vegades superior a la registrada en el mateix per\u00edode de l\u2019any passat. Fins a finals de juliol s\u2019han calcinat prop de 145.000 hect\u00e0rees, incloent-hi camps, habitatges, comer\u00e7os, tallers i altres infraestructures.<\/p>\n

La majoria de les assegurances de la llar inclouen la cobertura d\u2019incendi, considerada una de les garanties b\u00e0siques d\u2019aquest tipus de p\u00f2lisses. Les assegurances multirisc cobreixen habitualment no nom\u00e9s els danys provocats directament pel foc, sin\u00f3 tamb\u00e9 els ocasionats pel fum o per les tasques d\u2019extinci\u00f3.<\/p>\n

La indemnitzaci\u00f3 dependr\u00e0 del capital assegurat tant en el continent (parets, portes, finestres i elements estructurals) com, especialment, en el contingut (mobles, electrodom\u00e8stics, joies i altres b\u00e9ns personals). A m\u00e9s, moltes p\u00f2lisses incorporen cobertures per inhabitabilitat de l\u2019habitatge, que permeten disposar d\u2019un allotjament temporal mentre es duen a terme les tasques de reparaci\u00f3 o reconstrucci\u00f3.<\/p>\n

En el cas de comerciants i empresaris, \u00e9s habitual disposar de cobertures per p\u00e8rdua de beneficis o interrupci\u00f3 de l\u2019activitat, que poden donar dret a una indemnitzaci\u00f3 pels ingressos que el negoci deixa de generar a conseq\u00fc\u00e8ncia del sinistre.<\/p>\n

Documentar correctament els danys \u00e9s essencial. Per aix\u00f2, \u00e9s recomanable conservar tots els rebuts que acreditin les despeses derivades de l\u2019incendi i fer fotografies que permetin acreditar visualment l\u2019abast dels desperfectes. Tamb\u00e9 \u00e9s molt convenient que sigui el mediador d\u2019assegurances qui gestioni els tr\u00e0mits amb la companyia, ja que la seva intervenci\u00f3 acostuma a agilitzar el proc\u00e9s i facilita una gesti\u00f3 m\u00e9s eficient de la reclamaci\u00f3.<\/p>\n

Si hi ha vehicles afectats, la indemnitzaci\u00f3 dependr\u00e0 de les cobertures contractades i de si la p\u00f2lissa contempla el valor de mercat o el valor venal. Aquest \u00faltim correspon al valor te\u00f2ric del vehicle tenint en compte la seva depreciaci\u00f3 pel pas del temps i l\u2019\u00fas. En funci\u00f3 de les circumst\u00e0ncies, tamb\u00e9 poden entrar en joc altres assegurances, com les de vida o accidents.<\/p>\n

El Consorci de Compensaci\u00f3 d\u2019Assegurances (CCS) actua com a asseguradora complement\u00e0ria i cobreix, en determinades situacions, riscos extraordinaris que no assumeix l\u2019asseguran\u00e7a privada. Aquest organisme es finan\u00e7a mitjan\u00e7ant un petit rec\u00e0rrec incl\u00f2s en les primes de les assegurances. Entre els riscos coberts hi ha les inundacions, els terratr\u00e8mols, les erupcions volc\u00e0niques o determinats fen\u00f2mens meteorol\u00f2gics extrems. Tanmateix, els incendis forestals no formen part dels riscos extraordinaris assumits pel Consorci, encara que hagin estat provocats per l\u2019acci\u00f3 humana o la zona afectada sigui declarada catastr\u00f2fica.[\/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=””] El desastre dels incendis: com reclamar a l\u2019asseguran\u00e7a [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]30\/07\/26[\/vc_column_text][vc_column_text css=””] Cal revisar les cobertures i documentar els danys amb fotografies [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1785251879413{margin-bottom: 20px !important;}”] La gran onada d\u2019incendis que afecta diverses prov\u00edncies d\u2019Espanya est\u00e0 deixant un panorama desolador en moltes zones: habitatges destru\u00efts, camps calcinats<\/p>\n","protected":false},"author":562,"featured_media":28523,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2206],"class_list":["post-28522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mn-303"],"yoast_head":"\nL'infern dels incendis - 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