{"id":5559,"date":"2024-05-09T05:01:49","date_gmt":"2024-05-09T05:01:49","guid":{"rendered":"https:\/\/youset.ca\/?p=5559"},"modified":"2026-03-16T12:10:27","modified_gmt":"2026-03-16T12:10:27","slug":"protection-contre-les-dommages-deau-de-surface","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/protection-contre-les-dommages-deau-de-surface\/","title":{"rendered":"Qu&rsquo;est-ce que la protection contre les dommages d\u2019eau de surface?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Chaque ann\u00e9e, <\/span><a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/water-damage\/\"><span style=\"font-weight: 400;\">24 % des r\u00e9clamations d&rsquo;assurance habitation concernent les d\u00e9g\u00e2ts d&rsquo;eau<\/span><\/a> <span style=\"font-weight: 400;\"> et le gel, repr\u00e9sentant ainsi l&rsquo;une des principales menaces pour les propri\u00e9taires de maisons et de condos.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Bien que les Canadiens soient conscients de cette menace, <\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/catastrophe\/one-in-three-canadians-think-their-home-insurance-policies-cover-water-damage-428755.aspx#:~:text=And%20yet%20a%20new%20survey,400%25%20from%2015%20years%20ago.\"><span style=\"font-weight: 400;\">32 % croient \u00e0 tort<\/span><\/a> <span style=\"font-weight: 400;\"> que leur police d&rsquo;assurance habitation standard les prot\u00e8ge contre les d\u00e9g\u00e2ts d&rsquo;eau. Or, ce n&rsquo;est pas n\u00e9cessairement le cas, car cette protection sp\u00e9cifique requiert une souscription suppl\u00e9mentaire. Avec un <\/span><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\"><span style=\"font-weight: 400;\">remboursement moyen de 12 514 $ pour un d\u00e9g\u00e2t d&rsquo;eau<\/span><\/a><span style=\"font-weight: 400;\">, une telle erreur pourrait s&rsquo;av\u00e9rer tr\u00e8s co\u00fbteuse.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Pour t&rsquo;aider \u00e0 obtenir la protection souhait\u00e9e contre les d\u00e9g\u00e2ts d&rsquo;eau, cet article explique les bases de la protection contre les dommages d\u2019eau de surface. Une fois que tu comprendras ce que c&rsquo;est et pourquoi c&rsquo;est important, il est conseill\u00e9 de revoir ta police d&rsquo;assurance actuelle, d&rsquo;identifier les manques et d&rsquo;ajouter une protection contre les dommages d\u2019eau de surface, au besoin.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_3737b194bc9dc3da73cc4144e6976eae\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Les points cl\u00e9s<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><span style=\"font-weight: 400\">La protection contre les dommages d\u2019eau de surface est une protection optionnelle (mais fortement recommand\u00e9e) que vous pouvez ajouter \u00e0 votre assurance habitation, assurance locataire ou assurance condo. Elle vous prot\u00e8ge contre les dommages caus\u00e9s par l\u2019eau qui entre dans votre domicile au niveau du sol.<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-que-la-protection-contre-les-dommages-d-eau-de-surface\">Qu&rsquo;est-ce que la protection contre les dommages d\u2019eau de surface?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">La protection contre les dommages d\u2019eau de surface est une assurance destin\u00e9e aux <a href=\"https:\/\/youset.ca\/fr\/guide-assurance-habitation\/\">propri\u00e9taires de maisons<\/a>, <a href=\"https:\/\/youset.ca\/fr\/blog\/qu-est-ce-que-l-assurance-condo\/\">de condos<\/a> et <a href=\"https:\/\/youset.ca\/fr\/guide-assurance-locataire\/\">aux locataires<\/a>, offrant une couverture contre les dommages provoqu\u00e9s par l&rsquo;infiltration d&rsquo;eau douce depuis le sol dans la r\u00e9sidence. Voici quelques exemples de situations typiquement couvertes par cette assurance :&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">La fonte rapide des neiges&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les fortes pr\u00e9cipitations&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les crues soudaines<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Le d\u00e9bordement de cours d\u2019eau<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les emb\u00e2cles<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">L\u2019\u00e9coulement printanier<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En cas de dommages \u00e0 ta propri\u00e9t\u00e9 ou \u00e0 tes biens suite \u00e0 l&rsquo;un de ces \u00e9v\u00e9nements, la protection contre les dommages d\u2019eau de surface est con\u00e7ue pour couvrir les frais de r\u00e9paration ou de remplacement. Elle peut \u00e9galement couvrir les biens que tu entreposes, bien que cela d\u00e9pende souvent des conditions \u00e9nonc\u00e9es dans ta police.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Il est important de se rappeler que la protection contre les dommages d\u2019eau de surface n&rsquo;est pasincluse automatiquement lorsque tu souscris une assurance pour ta maison, ton condo ou ton logement. Contrairement aux protections standards contre des risques comme le feu ou le vol, les compagnies d&rsquo;assurance au Canada consid\u00e8rent la protection contre les dommages d\u2019eau de surface comme une option suppl\u00e9mentaire. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Ainsi, tu dois express\u00e9ment demander son ajout \u00e0 ta police si tu veux \u00eatre prot\u00e9g\u00e9 contre les incidents mentionn\u00e9s plus haut.<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_d7625dc29c2f07eb9d4257c6023ca841\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Assurance habitation en 4 minutes ou moins<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Obtenez une soumission<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-protection-contre-les-dommages-d-eau-de-surface-et-protection-contre-les-inondations\">Protection contre les dommages d\u2019eau de surface et protection contre les inondations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">La protection contre les dommages d\u2019eau de surface et la protection contre les inondations visent toutes deux \u00e0 prot\u00e9ger ta maison contre les dommages caus\u00e9s par l&rsquo;eau, mais elles ne sont pas toujours \u00e9quivalentes.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">&nbsp;Selon le <\/span><a href=\"https:\/\/fr.ibc.ca\/stay-protected\/severe-weather-safety\/flood-and-water\"><span style=\"font-weight: 400;\">Bureau d&rsquo;assurance du Canada<\/span><\/a><span style=\"font-weight: 400;\">, les dommages d\u2019eau de surface se produisent lorsque de grandes quantit\u00e9s d&rsquo;eau douce, comme celles provenant de rivi\u00e8res ou de barrages, d\u00e9bordent sur la terre. En revanche, les inondations provoqu\u00e9es par des temp\u00eates ou des raz-de-mar\u00e9e impliquent de l&rsquo;eau sal\u00e9e envahissant les zones c\u00f4ti\u00e8res. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Ainsi, la principale diff\u00e9rence entre la protection contre les dommages d\u2019eau de surface et celle contre les inondations r\u00e9side dans la nature de l&rsquo;eau : douce ou sal\u00e9e.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Donc, la d\u00e9cision d&rsquo;inclure l&rsquo;un ou l&rsquo;autre de ces types de protection, voire les deux, d\u00e9pend g\u00e9n\u00e9ralement de l&#8217;emplacement de ta maison ou de ton condo au Canada. Par exemple, si tu r\u00e9sides pr\u00e8s du littoral au Qu\u00e9bec, dans l&rsquo;Ouest canadien, dans les provinces atlantiques ou dans le Nord canadien, il peut \u00eatre judicieux d&rsquo;avoir les deux types d&rsquo;assurance car tu es vuln\u00e9rable \u00e0 deux types d&rsquo;inondations. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Par contre, si tu habites en Ontario ou dans les Prairies, tu pourrais choisir une protection uniquement contre les dommages d\u2019eau de surface, car il est probable que tu te trouves \u00e0 des centaines, voire des milliers de kilom\u00e8tres de la source d&rsquo;eau sal\u00e9e la plus proche. <\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-la-protection-contre-les-dommages-d-eau-de-surface-est-elle-necessaire\">La protection contre les dommages d\u2019eau de surface est-elle n\u00e9cessaire?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si tu es propri\u00e9taire d&rsquo;une maison ou d&rsquo;un condo au Canada, il <a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-habitation-est-elle-obligatoire\/\">n&rsquo;est pas obligatoire selon la loi d&rsquo;avoir une assurance contre<\/a> les dommages d\u2019eau de surface. Cependant, cela ne signifie pas que cette protection n&rsquo;est pas essentielle ou importante. Au contraire, voici quelques raisons convaincantes pour lesquelles il est vivement recommand\u00e9 d&rsquo;opter pour une protection contre les dommages d\u2019eau de surface.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Les dommages d\u2019eau de surface peuvent survenir \u00e0 tout moment de l&rsquo;ann\u00e9e : <\/b> <span style=\"font-weight: 400;\">Les dommages d\u2019eau de surface ne sont pas restreints \u00e0 une saison sp\u00e9cifique. Que ce soit en hiver, au printemps, en \u00e9t\u00e9 ou en automne, ces incidents peuvent se produire \u00e0 n&rsquo;importe quel moment.&nbsp;<\/span><\/li>\n\n\n\n<li><b>Les dommages d\u2019eau de surface peuvent arriver \u00e0 tout le monde :<\/b> <span style=\"font-weight: 400;\"> Tu n&rsquo;as pas besoin de r\u00e9sider \u00e0 proximit\u00e9 d&rsquo;une \u00e9tendue d&rsquo;eau pour que ta maison ou ton condo soit expos\u00e9 \u00e0 ce risque. Une seule pluie torrentielle peut suffire \u00e0 causer des dommages consid\u00e9rables, entra\u00eenant ainsi des co\u00fbts de r\u00e9paration pouvant atteindre des milliers de dollars.<\/span><\/li>\n\n\n\n<li><b>Les dommages d\u2019eau de surface peuvent s&rsquo;av\u00e9rer dispendieuses : <\/b> De l\u2019affaiblissement de l&rsquo;int\u00e9grit\u00e9 structurelle de ta maison \u00e0 l&rsquo;endommagement de ses syst\u00e8mes \u00e9lectriques et de ses finitions int\u00e9rieures, les dommages d\u2019eau de surface peuvent \u00eatre importants et co\u00fbteux \u00e0 r\u00e9parer.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u00c0 la lumi\u00e8re de ces \u00e9l\u00e9ments, tu peux comprendre pourquoi de nombreux sp\u00e9cialistes en assurance et propri\u00e9taires recommandent vivement d&rsquo;opter pour une protection contre les dommages d\u2019eau de surface.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-prochaines-etapes\">Prochaines \u00e9tapes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Maintenant que tu sais que cette protection n&rsquo;est pas g\u00e9n\u00e9ralement incluse dans <a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\">les polices d&rsquo;assurance de maisons<\/a>, de condos ou de logements au Canada, ta premi\u00e8re d\u00e9marche devrait \u00eatre de r\u00e9viser ta police existante. Si tu ne trouves pas l&rsquo;information n\u00e9cessaire dans ces documents, n&rsquo;h\u00e9site pas \u00e0 contacter ton assureur pour obtenir des clarifications. Avant d&rsquo;ajouter cette protection, tu peux \u00e9galement comparer les prix propos\u00e9s par d&rsquo;autres compagnies d&rsquo;assurance en utilisant une plateforme comme <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chaque ann\u00e9e, 24 % des r\u00e9clamations d&rsquo;assurance habitation concernent les d\u00e9g\u00e2ts d&rsquo;eau et le gel, repr\u00e9sentant ainsi l&rsquo;une des principales menaces pour les propri\u00e9taires de maisons et de condos.&nbsp; Bien que les Canadiens soient conscients de cette menace, 32 % croient \u00e0 tort que leur police d&rsquo;assurance habitation standard les&#8230;<\/p>\n","protected":false},"author":11,"featured_media":5358,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[469,457,465],"tags":[],"class_list":["post-5559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-condo","category-assurance-habitation","category-assurance-locataire"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Qu&#039;est-ce que la protection contre les dommages d\u2019eau de surface? - YouSet<\/title>\n<meta name=\"description\" content=\"La protection contre les dommages d\u2019eau de surface assure la s\u00e9curit\u00e9 de ta maison et de tes biens en cas de dommages caus\u00e9s par l&#039;eau douce.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/fr\/blog\/protection-contre-les-dommages-deau-de-surface\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu&#039;est-ce que la protection contre les dommages d\u2019eau de surface?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/protection-contre-les-dommages-deau-de-surface\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-09T05:01:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:10:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Overland-Water-Coverage-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/protection-contre-les-dommages-deau-de-surface\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/protection-contre-les-dommages-deau-de-surface\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Qu&rsquo;est-ce que la protection contre les dommages d\u2019eau de surface?\",\"datePublished\":\"2024-05-09T05:01:49+00:00\",\"dateModified\":\"2026-03-16T12:10:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/protection-contre-les-dommages-deau-de-surface\\\/\"},\"wordCount\":1033,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/protection-contre-les-dommages-deau-de-surface\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/Overland-Water-Coverage-YouSet.webp\",\"articleSection\":[\"Assurance condo\",\"Assurance habitation\",\"Assurance locataire\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/protection-contre-les-dommages-deau-de-surface\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/protection-contre-les-dommages-deau-de-surface\\\/\",\"name\":\"Qu'est-ce que la protection contre les dommages d\u2019eau de surface? 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