ARTICLE · 14 JANUARY 2025

Quand l'eau exclut toute possibilité d'indemnisation

Robinson Sheppard Shapiro

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La Cour supérieure se prononçait récemment sur l'interprétation d'une clause d'exclusion pour les dommages résultant d'un sinistre provenant d'une inondation, dans l'affaire Gestion Michel Bernard inc. c. Promutuel Chaudière-Appalaches, Société mutuelle d'assurance générale.

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La Cour supérieure se prononçait récemment sur l'interprétation d'une clause d'exclusion pour les dommages résultant d'un sinistre provenant d'une inondation, dans l'affaire Gestion Michel Bernard inc. c. Promutuel Chaudière-Appalaches, Société mutuelle d'assurance générale¹.

Résumé des faits

Les Demanderesses sont respectivement propriétaires d'un immeuble situé à Beauceville, et opératrices d'un restaurant qui se trouve dans cet immeuble.

Le 16 avril 2019, un important débordement de la rivière Chaudière (la « Rivière ») survient à Beauceville.

En raison du débordement de la Rivière, l'immeuble a été lourdement endommagé. Selon les témoins, l'immeuble s'est retrouvé entouré de ± 3 pieds d'eau, un mur s'est effondré vers l'intérieur, et la conduite d'alimentation de gaz naturel de l'immeuble s'est rompue.

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