{"id":7286,"date":"2024-09-19T05:01:01","date_gmt":"2024-09-19T05:01:01","guid":{"rendered":"https:\/\/youset.ca\/?p=7286"},"modified":"2026-03-16T12:11:16","modified_gmt":"2026-03-16T12:11:16","slug":"qu-est-ce-que-lassurance-contre-le-refoulement-degouts","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\/","title":{"rendered":"Qu\u2019est-ce que l\u2019assurance contre le refoulement d\u2019\u00e9gouts et pourquoi est-ce utile\u2009?"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Personne ne souhaite rentrer chez soi pour d\u00e9couvrir que sa maison est inond\u00e9e d\u2019eaux us\u00e9es. Malheureusement, les refoulements d\u2019\u00e9gouts font partie des risques \u00e0 pr\u00e9voir, et malgr\u00e9 toutes vos pr\u00e9cautions, ils peuvent quand m\u00eame survenir. C\u2019est pourquoi l\u2019assurance contre le refoulement d\u2019\u00e9gouts existe.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Si vous ne connaissez pas bien ce type d\u2019assurance et ce qu\u2019elle couvre, vous pourriez penser qu\u2019il s\u2019agit d\u2019une d\u00e9pense de plus. Cependant, avant de prendre cette d\u00e9cision, il est important de savoir exactement en quoi consiste <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-habitation\/\"><span style=\"font-weight: 400;\">cette protection<\/span><\/a><span style=\"font-weight: 400;\">, ce qu\u2019elle prot\u00e8ge et les risques auxquels vous pourriez vous exposer sans elle. Avec ces informations en main, vous serez mieux pr\u00e9par\u00e9 \u00e0 \u00e9valuer si cette assurance vaut la peine pour vous et votre propri\u00e9t\u00e9.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_1ad7e5ba6c9c3ef8cf4b29d8ec31dd0f\" class=\"post-block py-8\">\n\t\t<div class=\"py-8 md:py-11 px-6 md:px-12 rounded-l-lg border-l-8 border-indigo-500 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<h3 class=\"text-grayBluish-900 mb-6\">Les points cl\u00e9s<\/h3>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><span style=\"font-weight: 400;\">L\u2019assurance refoulement d\u2019\u00e9gout est une protection optionnelle qui vous prot\u00e8ge financi\u00e8rement si l\u2019eau refoule dans votre domicile par les \u00e9gouts, une fosse septique ou les drains de plancher, et endommage votre propri\u00e9t\u00e9 ou vos biens.\u00a0<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-en-quoi-consiste-l-assurance-contre-le-refoulement-d-egouts\">En quoi consiste l\u2019assurance contre le refoulement d\u2019\u00e9gouts\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Cette assurance vous prot\u00e8ge financi\u00e8rement contre les d\u00e9g\u00e2ts d\u2019eau caus\u00e9s par le refoulement d\u2019\u00e9gouts, les drains de sol ou les fosses septiques dans votre r\u00e9sidence. Au Canada, les assureurs proposent g\u00e9n\u00e9ralement cette protection optionnelle aux propri\u00e9taires de <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\"><span style=\"font-weight: 400;\">maisons<\/span><\/a><span style=\"font-weight: 400;\">, de <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-condo\/\"><span style=\"font-weight: 400;\">condos<\/span><\/a><span style=\"font-weight: 400;\">, et aux <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-locataire\/\"><span style=\"font-weight: 400;\">locataires<\/span><\/a><span style=\"font-weight: 400;\">. Cela signifie que vous devez sp\u00e9cifiquement ajouter cette protection \u00e0 votre police d\u2019assurance avant qu\u2019un sinistre ne survienne pour \u00eatre couvert.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Les refoulements d\u2019\u00e9gouts peuvent toucher tout le monde, peu importe o\u00f9 vous habitez \u2014 que ce soit dans une maison unifamiliale en campagne ou en ville. C\u2019est donc une forme de protection essentielle. Surtout quand on consid\u00e8re les causes fr\u00e9quentes de ces incidents, comme&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Les tuyaux vieillissants qui se fissurent ou s\u2019effondrent&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">L\u2019accumulation de graisse, d\u2019huile ou d\u2019autres substances dans les drains&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les obstructions caus\u00e9es par des articles non jetables comme des lingettes, produits d\u2019hygi\u00e8ne ou essuie-tout&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les dommages caus\u00e9s par les racines des arbres et arbustes&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les pluies torrentielles, inondations ou temp\u00eates&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les mouvements du sol caus\u00e9s par des tremblements de terre ou autres \u00e9v\u00e9nements naturels <\/span><\/li>\n<\/ul>\n\n\n\n\t<section id=\"post-cta-block_61a2f455fdd7637739f1a47d94b42607\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\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<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-que-couvre-l-assurance-contre-le-refoulement-d-egouts\">Que couvre l\u2019assurance contre le refoulement d\u2019\u00e9gouts\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Un refoulement d\u2019\u00e9gouts entra\u00eene souvent plus que de simples travaux de nettoyage et de r\u00e9paration. Cela peut causer des dommages importants \u00e0 votre propri\u00e9t\u00e9 et \u00e0 vos <\/span><span style=\"font-weight: 400;\">biens meubles<\/span><span style=\"font-weight: 400;\">. Dans les cas les plus graves, il peut m\u00eame \u00eatre n\u00e9cessaire de quitter temporairement votre domicile le temps que les r\u00e9parations soient effectu\u00e9es pour retrouver un environnement s\u00fbr et habitable. C\u2019est pourquoi l\u2019<a href=\"https:\/\/youset.ca\/fr\/blog\/que-couvre-lassurance-habitation\/\">assurance contre le refoulement d\u2019\u00e9gouts inclut g\u00e9n\u00e9ralement<\/a>&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Le remplacement ou la r\u00e9paration des <a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-des-biens-meubles\/\">biens meubles<\/a> endommag\u00e9s par le refoulement<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Le nettoyage et la d\u00e9sinfection professionnelle des zones touch\u00e9es<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les r\u00e9parations des canalisations d\u2019\u00e9gouts sur votre terrain<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les r\u00e9parations des \u00e9l\u00e9ments de la maison affect\u00e9s par le refoulement (planchers, murs, plafonds, etc.) <\/span><\/li>\n\n\n\n<li>Les <a href=\"https:\/\/youset.ca\/fr\/blog\/protection-pour-frais-de-subsistance-supplementaires\/\">frais de subsistance et les d\u00e9penses suppl\u00e9mentaires<\/a> si votre maison devient inhabitable<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-assurance-contre-les-refoulements-d-egout-est-ce-un-bon-investissement\">L\u2019assurance contre les refoulements d\u2019\u00e9gout : est-ce un bon investissement\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">En g\u00e9n\u00e9ral, l\u2019<\/span><a href=\"https:\/\/www.ratehub.ca\/blog\/sewer-backup-insurance-overview\/\"><span style=\"font-weight: 400;\">assurance contre les refoulements d\u2019\u00e9gout co\u00fbte<\/span><\/a> <span style=\"font-weight: 400;\"> entre 150&nbsp;$ et 300&nbsp;$ par ann\u00e9e pour les propri\u00e9taires, ce qui revient \u00e0 environ 12,50&nbsp;$ \u00e0 25&nbsp;$ de plus par mois. \u00c0 premi\u00e8re vue, ce co\u00fbt suppl\u00e9mentaire pourrait vous faire r\u00e9fl\u00e9chir avant de l\u2019ajouter \u00e0 votre police. Toutefois, ne vous fiez pas uniquement au prix pour d\u00e9cider si cette protection est essentielle ou non.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Il est important de souligner que l\u2019entretien et la r\u00e9paration des conduites d\u2019\u00e9gout reliant votre maison \u00e0 la ligne de propri\u00e9t\u00e9 <\/span><a href=\"https:\/\/www.timmins.ca\/our_services\/water_and_sewer\/sewer_backups\"><span style=\"font-weight: 400;\">vous incombent<\/span><\/a><span style=\"font-weight: 400;\">. Ainsi, si un probl\u00e8me survient entre le trottoir et votre maison, c\u2019est \u00e0 vous de couvrir les frais de r\u00e9paration des conduites, ainsi que ceux des dommages caus\u00e9s \u00e0 votre propri\u00e9t\u00e9 et \u00e0 vos biens.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Prenons en compte les co\u00fbts r\u00e9els d\u2019un refoulement d\u2019\u00e9gout. La priorit\u00e9 sera sans doute de nettoyer les d\u00e9g\u00e2ts, ce qui peut co\u00fbter entre 1\u2009000&nbsp;$ et 5\u2009000&nbsp;$, ou environ 7&nbsp;$ par pied carr\u00e9, selon <\/span><a href=\"https:\/\/homeguide.com\/costs\/main-sewer-line-cleaning-cost\"><span style=\"font-weight: 400;\">HomeGuide<\/span><\/a><span style=\"font-weight: 400;\">. Apr\u00e8s le nettoyage, il faudra r\u00e9parer les conduites d\u2019\u00e9gout responsables du probl\u00e8me. <\/span><a href=\"https:\/\/www.serviceexperts.ca\/plumbing\/water-and-sewer-line-services\/\"><span style=\"font-weight: 400;\">Service Experts<\/span><\/a><span style=\"font-weight: 400;\">, une entreprise de plomberie en Ontario estime que ces r\u00e9parations co\u00fbtent environ 4\u2009400&nbsp;$ en moyenne. En tout, vous pourriez faire face \u00e0 des d\u00e9penses consid\u00e9rables, y compris pour remplacer ou r\u00e9parer les biens meubles endommag\u00e9s.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">\u00c0 cela s\u2019ajoute le fait que de nombreuses villes ont des syst\u00e8mes d\u2019\u00e9gouts vieillissants, <\/span><a href=\"https:\/\/www.iii.org\/article\/protect-your-house-from-sewer-backups#:~:text=a%20nominal%20cost.-,Causes%20of%20sewer%20backups,some%20of%20the%20most%20common.\"><span style=\"font-weight: 400;\">rendant les refoulements plus fr\u00e9quents<\/span><\/a><span style=\"font-weight: 400;\">. De plus, ces infrastructures datent d\u2019une \u00e9poque o\u00f9 les \u00e9v\u00e9nements m\u00e9t\u00e9orologiques, comme les temp\u00eates et les inondations, \u00e9taient moins s\u00e9v\u00e8res.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Un <\/span><a href=\"https:\/\/projects.thestar.com\/climate-change-canada\/toronto-flooding\/\"><span style=\"font-weight: 400;\">article du Toronto Star<\/span><\/a> <span style=\"font-weight: 400;\"> sur les inondations \u00e0 Toronto souligne que \u00ab\u2009Les temp\u00e9ratures plus chaudes caus\u00e9es par les changements climatiques augmentent les risques de fortes pr\u00e9cipitations. Ces pluies torrentielles tombent sur des quartiers de Toronto dont les \u00e9gouts, con\u00e7us il y a un si\u00e8cle, peinent \u00e0 g\u00e9rer ce volume. Pr\u00e8s d\u2019un quart de la ville est desservi par un seul tuyau pour les eaux us\u00e9es et les eaux pluviales \u2014 une solution autrefois suffisante, mais d\u00e9sormais d\u00e9pass\u00e9e par les temp\u00eates fr\u00e9quentes et intenses.\u2009\u00bb&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Au vu des risques et des co\u00fbts potentiels li\u00e9s \u00e0 un refoulement d\u2019\u00e9gout, une prime mensuelle de 12&nbsp;$ \u00e0 25&nbsp;$ pourrait sembler modeste en comparaison. En fin de compte, c\u2019est \u00e0 vous de d\u00e9cider si cette protection suppl\u00e9mentaire vaut l\u2019investissement pour pr\u00e9server votre tranquillit\u00e9 d\u2019esprit.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Personne ne souhaite rentrer chez soi pour d\u00e9couvrir que sa maison est inond\u00e9e d\u2019eaux us\u00e9es. Malheureusement, les refoulements d\u2019\u00e9gouts font partie des risques \u00e0 pr\u00e9voir, et malgr\u00e9 toutes vos pr\u00e9cautions, ils peuvent quand m\u00eame survenir. C\u2019est pourquoi l\u2019assurance contre le refoulement d\u2019\u00e9gouts existe.&nbsp; Si vous ne connaissez pas bien ce [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":6398,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[469,457,465],"tags":[],"class_list":["post-7286","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 v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Qu\u2019est-ce que l\u2019assurance contre le refoulement d\u2019\u00e9gouts\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"Cette assurance vous prot\u00e8ge financi\u00e8rement contre les d\u00e9g\u00e2ts d\u2019eau caus\u00e9s par le refoulement d\u2019\u00e9gouts, les drains de sol ou les fosses septiques.\" \/>\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\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u2019est-ce que l\u2019assurance contre le refoulement d\u2019\u00e9gouts et pourquoi est-ce utile\u2009?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-19T05:01:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:11:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/09\/What-Is-Sewer-Backup-Insurance-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\\\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Qu\u2019est-ce que l\u2019assurance contre le refoulement d\u2019\u00e9gouts et pourquoi est-ce utile\u2009?\",\"datePublished\":\"2024-09-19T05:01:01+00:00\",\"dateModified\":\"2026-03-16T12:11:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\\\/\"},\"wordCount\":973,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/What-Is-Sewer-Backup-Insurance-YouSet.webp\",\"articleSection\":[\"Assurance condo\",\"Assurance habitation\",\"Assurance locataire\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\\\/\",\"name\":\"Qu\u2019est-ce que l\u2019assurance contre le refoulement d\u2019\u00e9gouts\u2009? 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