{"id":100255,"date":"2018-09-24T08:44:20","date_gmt":"2018-09-24T06:44:20","guid":{"rendered":"https:\/\/batijournal.com\/?p=100255"},"modified":"2019-07-15T12:03:42","modified_gmt":"2019-07-15T10:03:42","slug":"ffb-lassurance-construction","status":"publish","type":"post","link":"https:\/\/batijournal.com\/index.php\/ffb-lassurance-construction\/100255\/","title":{"rendered":"La FFB veut \u00e9viter une crise majeure dans l’assurance construction"},"content":{"rendered":"

Au cours des dix derni\u00e8res ann\u00e9es le r\u00e9gime d\u00e9cennal a \u00e9t\u00e9 fragilis\u00e9. Fin 2017, la FFB a souhait\u00e9 dresser un bilan actualis\u00e9 pour identifier les principaux dysfonctionnements du r\u00e9gime et leurs causes, et faire des propositions concr\u00e8tes de r\u00e9forme. \u00c0 cet effet, elle a confi\u00e9 une mission \u00e0 Michel Piron, qui a rencontr\u00e9 les principaux acteurs du monde de la construction (ma\u00eetres d\u2019ouvrages, assureurs, courtiers, autorit\u00e9s de supervision, direction g\u00e9n\u00e9rale du Tr\u00e9sor…). La mission a mis en \u00e9vidence les apports importants du r\u00e9gime Spinetta, en particulier en termes de protection de l\u2019usager. Mais le syst\u00e8me, qui reste somme toute peu co\u00fbteux au regard des chiffres de la construction en France, conna\u00eet de graves dysfonctionnements au regard des ambitions d\u2019origine. Ces derniers pourraient \u00e0 terme, le fragiliser, voire le condamner, si rien n\u2019est fait. Il ne s\u2019agit pas de remettre en cause le bien-fond\u00e9 de ce r\u00e9gime, mais d\u2019en ajuster certaines r\u00e8gles pour en contrer les d\u00e9rives et ainsi en assurer la p\u00e9rennit\u00e9. <\/strong><\/p>\n

La FFB fait cinq propositions pour faire \u00e9voluer le syst\u00e8me\u00a0:
\n– clarifier le champ de la responsabilit\u00e9 d\u00e9cennale ;
\n– p\u00e9naliser les assureurs dommages ouvrage lorsqu\u2019ils jouent mal leur r\u00f4le de pr\u00e9financement rapide des d\u00e9sordres ;
\n– favoriser, par la tarification des compagnies d\u2019assurance, les comportements responsables (mesures de pr\u00e9vention des risques, qualification des entreprises, SAV efficace, etc.)\u00a0;
\n– mieux contr\u00f4ler les provisions de ces m\u00eames compagnies par une identification claire des risques souscrits en France sur la branche construction et des sch\u00e9mas de distribution (courtage, mandats)\u00a0;
\n– moduler fortement les contributions au fonds de garantie des assurances fran\u00e7ais en fonction du niveau des provisions constitu\u00e9es et des risques pris sur la construction en France.<\/p>\n

Julien Denormandie, secr\u00e9taire d\u2019\u00c9tat aupr\u00e8s du ministre de la Coh\u00e9sion des Territoires, sensible au sujet, a pris l\u2019engagement de le suivre et de le porter aupr\u00e8s de Bruno Le Maire, ministre de l\u2019\u00c9conomie, pour faire \u00e9voluer la situation.<\/p>\n

Pour la premi\u00e8re fois, Gabriel Bernardino, pr\u00e9sident de l\u2019Autorit\u00e9 europ\u00e9enne des assurances et des pensions (EIOPA), a annonc\u00e9 la publication de recommandations publiques sur les provisions des assureurs, avec un recensement affin\u00e9 des activit\u00e9s \u00e0 risques et une clarification du r\u00f4le des autorit\u00e9s de supervision. \u00c0 cette fin, il demande de nouveaux pouvoirs pour l\u2019EIOPA.<\/p>\n

Pour Jacques Chanut, pr\u00e9sident de la FFB\u00a0: \u00ab\u00a0l\u2019objectif \u00e9tait avant tout de faire conna\u00eetre la situation et ses cons\u00e9quences au plus grand nombre. Il faut maintenant, sur la base des avanc\u00e9es annonc\u00e9es par l\u2019EIOPA, d\u00e9boucher rapidement sur des propositions concr\u00e8tes. En ce domaine, seule la recherche du plus grand consensus permettra de progresser.\u00a0\u00bb.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Au cours des dix derni\u00e8res ann\u00e9es le r\u00e9gime d\u00e9cennal a \u00e9t\u00e9 fragilis\u00e9. Fin 2017, la FFB a souhait\u00e9 dresser un bilan actualis\u00e9 pour identifier les principaux dysfonctionnements du r\u00e9gime et leurs causes, et faire des propositions concr\u00e8tes de r\u00e9forme. \u00c0 cet effet, elle a confi\u00e9 une mission \u00e0 Michel Piron, qui a rencontr\u00e9 les principaux […]<\/p>\n","protected":false},"author":17,"featured_media":92851,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10530,6345],"tags":[373],"class_list":["post-100255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie-marches","tag-ffb"],"yoast_head":"\nLa FFB veut \u00e9viter une crise majeure dans l'assurance construction<\/title>\n<meta name=\"description\" content=\"la FFB a souhait\u00e9 dresser un bilan actualis\u00e9 pour identifier les 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