ARTICLE · 21 FEBRUARY 2024

La valeur au jour du sinistre : inclus ou exclus?

Stein Monast

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Comment procéder à l'évaluation de la valeur « au jour du sinistre »? Le Tribunal s'est récemment prononcé sur les nuances à apporter dans la décision Walsh c. Intact Insurance Company1.

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Me Jessica Gauthier

Me Élisabeth Lachance

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Comment procéder à l'évaluation de la valeur « au jour du sinistre »? Le Tribunal s'est récemment prononcé sur les nuances à apporter dans la décision Walsh c. Intact Insurance Company¹. Mes Jessica Gauthier et Élisabeth Lachance vous expliquent.

LES FAITS

En 2005, les demandeurs se portent acquéreurs d'un immeuble commercial construit en 1965 et y font d'importantes rénovations. En 2014, l'immeuble, assuré par la défenderesse, est complètement détruit lors d'un incendie. Ultimement, les demandeurs décident de ne pas le reconstruire. La défenderesse accepte de les indemniser à la hauteur de 726 709,22 $ – soit une somme équivalente à son évaluation de la valeur dépréciée de l'immeuble au jour du sinistre et au coût des travaux de démolition.

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