Letter Templates for Apartment Owners in Paris

Notice to your Insurance of Smoke Detector Installation

You should notify your insurance company once you have installed smoke detector(s) according to the template below (annexe de l’arrêté du 5 février 2013 relative à l’application des articles R129-12 à R129-15 du code de la construction et de l’habitation, Journal officiel du 14 mars 2013).

For this type of notice, request a lettre recommandée avec accusé de réception (registered letter with acknowledgement of receipt) from your local post office.

Coming soon...

Notice of Sale From the Landlord To The Tenant

This letter is sent by the landlord to the tenant to give him/her proper notice that s/he plans to sell the property at the end of the lease:
This letter is for a "résidence principale"lease.

*in bold to be replaced

Name of Owner
Telephone Number

Address

Name of Tenant
Address

Objet : Fin de bail pour cause de vente du logement
Lettre RAR

A City, le Date

Madame, Monsieur,

Vous êtes locataire du logement sis apartment addresse depuis le start date of the lease. Le bail que nous avons signé arrivera donc à échéance le lease end date. Je vous informe qu’à cette date, je vous donnerai congé de ce logement afin de procéder à sa vente.

En vertu de l’article 15 II de la loi du 6 juillet 1989 -que vous trouverez ci-dessous- je vous indique que le logement et ses annexes seront vendus au prix de … €. En tant que locataire de cette habitation, vous êtes prioritaire pour acquérir ce bien pendant les deux mois à venir.

Passé ce délai, sans réponse de votre part, je considèrerai votre non-réponse comme un refus.

Article 15II de la loi du 6 juillet 1989 alinéas 1er à 5 : Lorsqu’il est fondé sur la décision de vendre le logement, le congé doit; à peine de nullité, indiquer le prix et les conditions de la vente projetée. Le congé vaut offre de vente au profit du locataire : l’offre est valable pendant les premiers mois du délai de préavis. Les dispositions de l’article 46 de la loi n°65-557 du 10 Juillet 1965 fixant le statut de la copropriété des immeubles bâtis ne sont pas applicable au congé fondé sur la décision de vendre le logement.

A l’expiration du délai de préavis, le locataire qui n’a pas accepté l’offre de vente est déchu de plein droit de tout titre d’occupation sur le local.

Le locataire qui accepte l’offre dispose, à compter de la date d’envoi de sa réponse au bailleur, d’un délai de deux mois pour la réalisation de l’acte de vente. Si, dans sa réponse, il notifie son intention de recourir à un prêt, l’acceptation par le locataire de l’offre de vente est subordonnée à l’obtention du prêt et le délai de réalisation de la vente est porté à quatre mois. Le contrat de location est prorogé jusqu’à l’expiration du délai de réalisation de la vente. Si, à l’expiration de ce délai, la vente n’a pas été réalisée, l’acceptation de l’offre de vente est nulle de plein droit et le locataire est déchu de plein droit de tout titre d’occupation.

Dans le cas où le propriétaire décide de vendre à des conditions ou à un prix plus avantageux pour l’acquéreur, le notaire doit, lorsque le bailleur n’y a pas préalablement procédé, notifier au locataire ces conditions et prix à peine de nullité de la vente. Cette notification est effectuée à l’adresse indiquée à cet effet par le locataire au bailleur ; si le locataire n’a pas fait connaître cette adresse au bailleur, la notification est effectuée à l’adresse des locaux dont la location avait été consentie. Elle vaut offre de vente au profit du locataire. Cette offre est valable pendant une durée d’un mois à compter de sa réception. L’offre qui n’a pas été acceptée dans le délai d’un mois est caduque. Le locataire qui accepte l’offre ainsi notofiée dispose, à compter de la date d’envoi de sa réponse au bailleur ou au notaire, d’un délai de deux mois pour la résiliation de l’acte de vente. Si, dans sa réponse, il notifie son intention de recourir à un prêt, l’acceptation par le locataire de l’offre de vente est subordonnée à l’obtention du prêt et le délai de réalisation de la vente est porté à quatre mois. Si, à l’expiration de ce délai, la vente n’a pas été réalisée, l’acceptation de l’offre de vente est nulle de plein droit.

Bien sincèrement,

Signature
Name

Joint Surety from a Garantor to the Tenant’s financial obligations

Allows a person to declare himself/herself as a Guarantor (simple or solidary) of a tenant. The letter is given to the landlord.

Your name
Telephone number
Address

Landlord Name and Address

Objet: Lettre d'engagement Caution Solidaire
Lettre recommandée avec accusé de réception

A ville, le date

[Dear ]

I, the undersigned, [surname, first name and date of birth of the person who endorses] certify that I have read the lease attached hereto and declare that I am a [joint or simple] surety for [surname, first name of the tenant] for the benefit of the landlord [surname, first name, address] of the dwelling [address of the rented accommodation]..

I have read the rent amount of [amount of rent] by [payment period]. It will be reviewed annually every [date of revision] according to the reference index of rents published by INSEE of [date of the reference period of the IRL indicated on the lease].

I agree to refund on my income and on my personal belongings the amounts due by the tenant [name and surname] in case of failure of the latter. I confirm that I am fully aware of the nature and extent of my commitment.

This commitment for a bond [simple / joint] is valid [for an indefinite period / until ...] for the payment in particular of rents (even revised), recoverable charges, degradations and rental repairs and costs of proceedings, indemnities, penalties and damages.

I also acknowledge that I have read the paragraph of article 22-1 of the law of 6 July 1989, which reads as follows: "When the bonding of obligations resulting from a lease concluded under this title does not include any indication of duration or when the duration of the bond is stipulated indefinitely, the Surety may terminate it unilaterally. The termination takes effect at the end of the lease, whether it is the initial contract or a renewed contract for which the lessor receives notice of termination.

Made in [number of parties to the act (lessor, tenant, surety, ...)] copies.

Done at [place of drafting] on [date of writing],

Your Signature

Your name

Claim to the Insurance company for default of reimbursement

The Insurance Code (Article L. 113-1) provides that the exclusions of guarantee must be formal and limited. If your insurance company objects to a reimbursement based on a warranty exclusion, read the terms of your contract carefully.
Ex : Theft may not be guarantee if the shutters were not closed during an absence of more than twenty-four hours. But if the clause in your contract stipulates that "All usual and reasonable precautions for the safekeeping of insured property must have been taken" it will not do. Indeed, the clause is not circumscribed to a specific area and is subject to interpretation. In such a case, do not hesitate to dispute with your insurance company in case it cites this clause for not compensating you.

Votre nom
Téléphone
Adresse

Name and address of the recipient

Recommended letter with receipt note

city, date

Dear,

In the referenced file (claim and contract file numbers), you refuse to implement the guarantee (mention the guarantee concerned: theft, water damage ...) on the grounds that (quote or reformulate the clause at issue).

This clause does not cover a sufficiently specific area, and is subject to interpretation. Yet, the Article L. 113-1 of the Insurance Code requires that the exclusions provided for in insurance contracts be formal and limited to be valid.

To the extent that this clause is not precise, you can not invoke it in order not to reimburse me.
I therefore demand that you review your position.

Looking forward to your reply, please accept, Madam, Sir, my best regards.

Done at [ place of drafting ] on [date of writing] ,

Signature

Your Name

Reporting changes in your home insurance garantees

In terms of home insurance, certain criteria allow the insurer to assess the risk. This is true of the living space or the value of the furniture of a house.

In the event of a change in the risk entailed, the insurer must be notified by registered letter with acknowledgment of receipt in order that you’d be covered in the event of a claim. Upon receipt of your report of home modifications, the insurer will adjust the contract and adjust the contribution, if necessary.

Attention: if you do not declare the changes, the consequences can go from a reduction of the insurance compensation to the cancellation of the contract in case of disaster. Even if the element not declared was without influence on the disaster!

To determine whether or not there is a change in the risks involved with the modifications in your home, refer to the form filled with the insurer when you signed the policy. Keep a copy of the risk declaration form.

Your name
Phone Number
Address

Name and address of the recipient

Registered letter with receipt note

city, date

Dear,

I am insured with your company for (my home ...) under the number (reference of the contract).

Since the (date of modification of the risk), (explain precisely the modification: I did build a mezzanine, ...).

You will find attached (invoice of works, ...).

I would therefore be grateful if you would kindly inform me of the impact of this change on my contract and I remain at your disposal for any further information.

Looking forward to your reply, please accept, Madam, Sir, the expression of my best regards.

Done at [ place of drafting] on [place of writing] ,

Signature

Your name

(texte inspiré de l’INC Institut National de la Consommation)

YOUR HOME WAS ROBBED REPORT TO YOUR INSURANCE

As soon as you discover a theft in your home, make an inventory of stolen property and of deteriorated fixutes such as doors, windows …, and take pictures. Then go and make a statement of theft to the nearest police station.

Be careful to keep the receipt of your statement in order to send it to your insurer by registered letter.

Beware : Deadlines for declaration of thefts are short, even if they cannot be inferior to forty-eight hours from the discovery of the disaster (article L. 113-2, 4 ° of the insurance code). Check your contract and be reactive! If you don’t find your contract, don’t waste time anyway.

Your name
Phone
Address

Name and address of the recipient

Registered letter with receipt

town, date

Dear,

On (date of discovery of the incident), I discovered that my home had been burgled. (Briefly explain the circumstances of the incident). My home is insured (name of the insurance company and number of the insurance contract).

I have not been able to make a complete inventory of stolen or damaged property yet, but here is a list and a first assessment (list the stolen or damaged items and give an assessment of your damage). As soon as I have made a complete inventory, I will send you the complete list and the necessary proofs to take care of value (invoices, photos...).

Also, please find attached the receipt of complaint to the police station (attach a copy of the document and keep the original). I remain at your disposal for any necessary clarification .

Cordially yours,

Done at [ place of drafting] on [place of writing] ,

Signature

Your name

FOLLOWING A CLAIM, YOUR INSURER IS LATE tO COMPENSATE YOU

The prescription for a claim is for a period of two years. The actions taken following the event that gave birth to them are prescribed by two years (Article L. 114-1 of the Insurance Code).

However, this prescription is interrupted if you send a registered letter with acknowledgment of receipt concerning the payment of compensation (Article L. 114-2 of the Insurance Code). Then, a new period of two years will begin to run. So, if you are in negotiation with your insurer and that the deadline comes to an end, write to him by registered mail with acknowledgment of receipt to make the delay reappear. Be sure to preserve the postal receipt.

Your name
Phone
Address

Name and address of the recipient

Recommended letter with receipt note

town, date

Dear,

I come back to you with regard to the referenced incident (number of the claim file).

I would like to remind you that, unless I am mistaken, I still have not been compensated.

I therefore ask you to do what is necessary to pay me the sum of (indicate precisely the amount of compensation you expect) to repair the damage suffered, as soon as possible.

Looking forward to your reply, please accept, Madam, Sir, my regards.

Done at [ place of drafting] on [place of writing] ,

Signature

Your name

TERMINATION OF YOUR MULTIRISK CONTRACT RESIDENTIAL HOUSING

You can cancel your comprehensive homeowner's policy before it expires and your insurance company must reimburse you the portion of the current premium beyond the date of termination of your contract. However, you must give the reason for your cancellation: for example, moving, changing profession; provided, however, that these changes affect the previously guaranteed risk.

Your request for cancellation must be made, by registered letter with acknowledgment of receipt, within three months of the change of your situation; it will take effect one month after receipt by the insurer. Article L. 113-16 of the Insurance Code provides for other cases than the change of domicile to authorize termination during the contract.

Your name
Phone
Address

Name and address of the recipient

Registered letter with receipt note

town, date

Dear,

From (date), I will no longer occupy the insured apartment with your company under the contract number (reference of the contract). Indeed, (indicate your new situation and explain as precisely as possible how this change will modify your previous situation).

I therefore wish to terminate my home insurance contract with your company, in accordance with Article L. 113-16 of the Insurance Code.

I thank you in advance for kindly sending me the amount of the contribution corresponding to the period during which the guarantee will no longer be applied, as well as a cancellation rider.

Please accept, Madam, Sir, the expression of my best regards.

Done at [ place of drafting] le [date of writing] ,

Signature

Your name