Find the different templates required for any rental situation you may encounter
as a landlord in Paris. Copy and paste the text to create your own letter.
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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.
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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.
Allows a person to declare himself/herself as a Guarantor (simple or solidary) of a tenant. The letter is given to the landlord.
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.
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.
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.
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.
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.