{"id":28965,"date":"2026-10-13T23:06:59","date_gmt":"2026-10-13T21:06:59","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/danys-per-pluges-que-cal-fer\/"},"modified":"2026-10-14T15:16:22","modified_gmt":"2026-10-14T13:16:22","slug":"danys-per-pluges-que-cal-fer","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/danys-per-pluges-que-cal-fer\/","title":{"rendered":"Danys per pluges? Qu\u00e8 cal fer"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2><strong>Danys per les pluges? Qu\u00e8 cal fer, a qui trucar i qui se n\u2019ha de fer c\u00e0rrec<\/strong><\/h2>\n<p>\n[\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]<em>15\/10\/26<\/em>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<em>La primera gesti\u00f3 ha de ser comunicar el sinistre a l\u2019agent o corredor d\u2019assegurances<\/em><\/p>\n<p>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1791921498472{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"isSelectedEnd\">El Col\u00b7legi de Mediadors d\u2019Assegurances de Barcelona ofereix una guia pr\u00e0ctica per a les persones afectades per les pluges i recorda que el primer pas \u00e9s comunicar el sinistre a l\u2019agent o corredor d\u2019assegurances, que revisar\u00e0 la p\u00f2lissa, gestionar\u00e0 el sinistre i far\u00e0 el seguiment de la reclamaci\u00f3.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Les fortes pluges registrades aquests darrers dies a Catalunya han provocat danys en habitatges, vehicles, comer\u00e7os i altres b\u00e9ns. Filtracions, inundacions, desperfectes en mobiliari, danys en vehicles o afectacions en locals s\u00f3n algunes de les situacions que poden trobar-se les persones afectades.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Qu\u00e8 cal fer ara? A qui cal comunicar els danys? Els paga la companyia asseguradora o el Consorci de Compensaci\u00f3 d\u2019Assegurances? Quina documentaci\u00f3 cal conservar?<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">El <strong>Col\u00b7legi de Mediadors d\u2019Assegurances de Barcelona<\/strong> recorda que, davant d\u2019un sinistre, l\u2019assegurat <strong>no ha de resoldre aquestes q\u00fcestions pel seu compte<\/strong>.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">El primer pas \u00e9s <strong>comunicar al m\u00e9s aviat possible el sinistre al seu agent o corredor d\u2019assegurances<\/strong>. A partir d\u2019aqu\u00ed, aquest professional revisar\u00e0 la p\u00f2lissa i les circumst\u00e0ncies en qu\u00e8 s\u2019han produ\u00eft els danys, determinar\u00e0 com s\u2019ha de tramitar el sinistre, far\u00e0 les gestions necess\u00e0ries i far\u00e0 el seguiment de la reclamaci\u00f3.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">\u201cDavant d\u2019un episodi de pluges com el que hem viscut, la nostra recomanaci\u00f3 \u00e9s molt clara: si ha patit danys, comuniqui\u2019ls al m\u00e9s aviat possible al seu agent o corredor d\u2019assegurances. No \u00e9s el client qui ha de saber si ha de reclamar a la seva companyia o al Consorci. L\u2019agent o corredor coneix la seva p\u00f2lissa, gestionar\u00e0 el sinistre per la via que correspongui i far\u00e0 el seguiment de la reclamaci\u00f3\u201d, explica Carlos Sol\u00eds, assessor jur\u00eddic del Col\u00b7legi de Mediadors d\u2019Assegurances de Barcelona.<\/p>\n<h2><strong>Companyia asseguradora o Consorci?<\/strong><\/h2>\n<p><\/p>\n<p class=\"isSelectedEnd\">Aquesta \u00e9s una de les principals q\u00fcestions que apareixen despr\u00e9s d\u2019un episodi de pluges.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">El <strong>Consorci de Compensaci\u00f3 d\u2019Assegurances<\/strong> \u00e9s una entitat p\u00fablica que, entre altres funcions, indemnitza determinats danys produ\u00efts per fen\u00f2mens naturals considerats legalment extraordinaris, sempre que es compleixin els requisits establerts i hi hagi una asseguran\u00e7a en vigor.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Entre aquests riscos es troba l\u2019anomenada <strong>inundaci\u00f3 extraordin\u00e0ria<\/strong>.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Tanmateix, <strong>que hagi plogut de manera excepcionalment intensa no significa que tots els danys produ\u00efts corresponguin autom\u00e0ticament al Consorci<\/strong>.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">A efectes d\u2019aquesta cobertura, es considera inundaci\u00f3 extraordin\u00e0ria, entre altres sup\u00f2sits, l\u2019<strong>anegament del terreny<\/strong> produ\u00eft per l\u2019acci\u00f3 directa de les aig\u00fces de pluja o pel desbordament de rius, ries o altres cursos naturals d\u2019aigua.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">En canvi, la pluja que cau directament sobre un immoble o l\u2019aigua recollida per cobertes, terrats, xarxes de desgu\u00e0s o patis no t\u00e9, per si mateixa, la consideraci\u00f3 d\u2019inundaci\u00f3 extraordin\u00e0ria a efectes del Consorci.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">En aquests casos, caldr\u00e0 analitzar l\u2019origen del dany i les condicions de la p\u00f2lissa per determinar si existeix cobertura per part de la companyia asseguradora.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Per tant, <strong>en un mateix episodi de pluges pot haver-hi sinistres que corresponguin al Consorci i d\u2019altres que hagin de ser atesos per les companyies asseguradores<\/strong>.<\/p>\n<h2><strong>El client no ha de decidir on reclamar<\/strong><\/h2>\n<p><\/p>\n<p class=\"isSelectedEnd\">Des del Col\u00b7legi s\u2019insisteix en un aspecte especialment important: <strong>no correspon a l\u2019assegurat determinar pel seu compte si el seu sinistre s\u2019ha de tramitar davant de la companyia asseguradora o davant del Consorci<\/strong>.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Per aix\u00f2 compta amb el seu agent o corredor d\u2019assegurances.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Una vegada comunicat el sinistre, l\u2019agent o corredor revisar\u00e0 la p\u00f2lissa i l\u2019origen dels danys i <strong>es far\u00e0 c\u00e0rrec de la gesti\u00f3 per la via que correspongui<\/strong>.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Si el sinistre ha de ser at\u00e8s per la companyia asseguradora, en far\u00e0 la tramitaci\u00f3 i el seguiment.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">I si els danys corresponen a un risc extraordinari cobert pel Consorci de Compensaci\u00f3 d\u2019Assegurances, <strong>l\u2019agent o corredor s\u2019encarregar\u00e0 d\u2019assessorar-lo i acompanyar-lo durant tota la gesti\u00f3 de la reclamaci\u00f3 fins a la indemnitzaci\u00f3 definitiva<\/strong>.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Que hi intervingui el Consorci, per tant, <strong>no significa que l\u2019assegurat hagi de gestionar sol la seva reclamaci\u00f3<\/strong>.<\/p>\n<h2><strong>Qu\u00e8 ha de fer una persona que ha patit danys?<\/strong><\/h2>\n<p><\/p>\n<p class=\"isSelectedEnd\">A m\u00e9s de comunicar el sinistre al m\u00e9s aviat possible al seu agent o corredor d\u2019assegurances, el Col\u00b7legi recomana seguir unes pautes b\u00e0siques que facilitaran la posterior valoraci\u00f3 i reclamaci\u00f3 dels danys:<\/p>\n<ul data-spread=\"false\">\n<li><strong>Fer fotografies i v\u00eddeos abans de netejar o reparar.<\/strong> \u00c9s important documentar tots els danys i, sempre que sigui possible, tamb\u00e9 el lloc i les circumst\u00e0ncies en qu\u00e8 s\u2019han produ\u00eft.<\/li>\n<li><strong>Evitar que els danys augmentin.<\/strong> Si es pot fer amb seguretat, cal adoptar les mesures raonables i urgents per evitar que el sinistre provoqui danys majors.<\/li>\n<li><strong>No llen\u00e7ar immediatament els b\u00e9ns danyats.<\/strong> Mobles, electrodom\u00e8stics o altres objectes afectats poden ser necessaris per acreditar i valorar els danys. Si per raons de seguretat o salubritat s\u2019han de retirar, \u00e9s convenient fotografiar-los pr\u00e8viament.<\/li>\n<li><strong>Conservar factures, tiquets i justificants.<\/strong> Cal conservar els comprovants de les despeses que hagi estat necessari efectuar com a conseq\u00fc\u00e8ncia directa del sinistre.<\/li>\n<li><strong>Preparar tota la documentaci\u00f3 disponible.<\/strong> Fotografies, v\u00eddeos, factures dels b\u00e9ns afectats i qualsevol altra documentaci\u00f3 que permeti acreditar-ne l\u2019exist\u00e8ncia i el valor poden facilitar la gesti\u00f3.<\/li>\n<li><strong>No iniciar reparacions definitives sense haver documentat pr\u00e8viament els danys.<\/strong> Les actuacions urgents necess\u00e0ries per evitar danys majors es poden dur a terme, per\u00f2 \u00e9s important conservar fotografies, factures i justificants.<\/li>\n<li><strong>Facilitar tota la informaci\u00f3 a l\u2019agent o corredor d\u2019assegurances<\/strong>, que s\u2019encarregar\u00e0 de gestionar el sinistre i sol\u00b7licitar\u00e0 a l\u2019assegurat la documentaci\u00f3 addicional que pugui ser necess\u00e0ria.<\/li>\n<\/ul>\n<p><\/p>\n<h2><strong>Tenir una asseguran\u00e7a no significa que tots els danys per aigua estiguin coberts<\/strong><\/h2>\n<p><\/p>\n<p class=\"isSelectedEnd\">El Col\u00b7legi recorda tamb\u00e9 que <strong>no tots els danys produ\u00efts durant un episodi de pluges tenen necess\u00e0riament cobertura<\/strong>.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Cada sinistre s\u2019ha d\u2019analitzar de manera individual, tenint en compte tant la causa que ha produ\u00eft els danys com les cobertures, els l\u00edmits i les exclusions recollits a la p\u00f2lissa.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Poden existir, per exemple, exclusions o limitacions relacionades amb problemes de manteniment, determinats defectes constructius o defici\u00e8ncies en desguassos, canalons o baixants.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">En el cas de filtracions procedents de cobertes, balcons o terrasses, tamb\u00e9 caldr\u00e0 determinar quin ha estat l\u2019origen de l\u2019entrada d\u2019aigua i qu\u00e8 estableix concretament el contracte d\u2019asseguran\u00e7a.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Per aix\u00f2, dos habitatges afectats pel mateix episodi de pluges poden trobar-se davant de situacions asseguradores diferents.<\/p>\n<h2><strong>La p\u00f2lissa continua sent clau encara que hi intervingui el Consorci<\/strong><\/h2>\n<p><\/p>\n<p class=\"isSelectedEnd\">Tamb\u00e9 \u00e9s important entendre que la intervenci\u00f3 del Consorci de Compensaci\u00f3 d\u2019Assegurances <strong>est\u00e0 vinculada a l\u2019exist\u00e8ncia d\u2019una asseguran\u00e7a en vigor<\/strong> i a les condicions de l\u2019asseguran\u00e7a contractada.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">Per aix\u00f2, tant si finalment el sinistre correspon a la companyia asseguradora com si ha de ser at\u00e8s pel Consorci, <strong>la p\u00f2lissa \u00e9s el punt de partida per determinar els b\u00e9ns assegurats, els capitals contractats i les condicions aplicables<\/strong>.<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\">De nou, ser\u00e0 l\u2019agent o corredor d\u2019assegurances qui podr\u00e0 revisar aquesta informaci\u00f3 i gestionar correctament l\u2019expedient.<\/p>\n<h2><strong>Davant d\u2019un sinistre, no el gestioni sol<\/strong><\/h2>\n<p><\/p>\n<p class=\"isSelectedEnd\">El Col\u00b7legi de Mediadors d\u2019Assegurances de Barcelona resumeix en un missatge senzill com ha d\u2019actuar qualsevol persona que hagi patit danys com a conseq\u00fc\u00e8ncia de les pluges:<\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\"><strong>1. Comuniqui al m\u00e9s aviat possible el sinistre al seu agent o corredor d\u2019assegurances.<\/strong><\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\"><strong>2. Fotograf\u00efi i documenti tots els danys.<\/strong><\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\"><strong>3. Conservi els b\u00e9ns danyats i els justificants de les despeses sempre que sigui possible.<\/strong><\/p>\n<p><\/p>\n<p class=\"isSelectedEnd\"><strong>4. Eviti que els danys augmentin, sempre que pugui fer-ho amb seguretat.<\/strong><\/p>\n<p><strong>5. Deixi la gesti\u00f3 i el seguiment del sinistre en mans del seu agent o corredor d\u2019assegurances.<\/strong>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text]<\/p>\n<h2>\u00daltimes not\u00edcies<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] Danys per les pluges? Qu\u00e8 cal fer, a qui trucar i qui se n\u2019ha de fer c\u00e0rrec [\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]15\/10\/26[\/vc_column_text][vc_column_text css=&#8221;&#8221;]La primera gesti\u00f3 ha de ser comunicar el sinistre a l\u2019agent o corredor d\u2019assegurances [\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1791921498472{margin-bottom: 20px !important;}&#8221;] El Col\u00b7legi de Mediadors d\u2019Assegurances de Barcelona ofereix una<\/p>\n","protected":false},"author":562,"featured_media":28996,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2220],"class_list":["post-28965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mn-307"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Danys per pluges? Qu\u00e8 cal fer - Col-legi de Mediadors d&#039;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\/danys-per-pluges-que-cal-fer\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Danys per pluges? Qu\u00e8 cal fer - Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] Danys per les pluges? Qu\u00e8 cal fer, a qui trucar i qui se n\u2019ha de fer c\u00e0rrec [\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]15\/10\/26[\/vc_column_text][vc_column_text css=&#8221;&#8221;]La primera gesti\u00f3 ha de ser comunicar el sinistre a l\u2019agent o corredor d\u2019assegurances [\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1791921498472{margin-bottom: 20px !important;}&#8221;] El Col\u00b7legi de Mediadors d\u2019Assegurances de Barcelona ofereix una\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elcol-legi.org\/w\/danys-per-pluges-que-cal-fer\/\" \/>\n<meta property=\"og:site_name\" content=\"Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-13T21:06:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-14T13:16:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2026\/10\/Lluvias-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1752\" \/>\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=\"8 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\\\/danys-per-pluges-que-cal-fer\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/danys-per-pluges-que-cal-fer\\\/\"},\"author\":{\"name\":\"Marc Alcaraz\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"headline\":\"Danys per pluges? 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