{"id":3639,"date":"2024-07-16T10:45:58","date_gmt":"2024-07-16T10:45:58","guid":{"rendered":"https:\/\/maitemarco.com\/factores-riesgo-paneles-solares\/"},"modified":"2024-07-18T13:16:15","modified_gmt":"2024-07-18T13:16:15","slug":"factors-risc-asseguradores-panells-solars","status":"publish","type":"post","link":"https:\/\/maitemarco.com\/ca\/factors-risc-asseguradores-panells-solars\/","title":{"rendered":"Els principals factors de risc per a les asseguradores a la instal\u00b7laci\u00f3 de panells solars"},"content":{"rendered":"<div class=\"v1v1entry-categories\">\n<div id=\"v1v1cuerpo_descripcion\" class=\"v1v1shortcode-content\">\n<p>Jhasa\u00a0analitza els desafiaments als quals s?enfronten les companyies d?assegurances en la subscripci\u00f3 de p\u00f2lisses per a projectes d?instal\u00b7laci\u00f3 de panells solars sobre coberta.<\/p>\n<p>Per comen\u00e7ar, el broker assenyala que\u00a0la ubicaci\u00f3\u00a0de les plaques solars fotovoltaiques a la coberta\u00a0representa ja un dels principals factors de risc\u00a0per a les asseguradores. Des de Jhasa expliquen que sovint els criteris d&#8217;instal\u00b7laci\u00f3 d&#8217;aquests elements no coincideixen amb els criteris de subscripci\u00f3 i prevenci\u00f3. I detallen que aquesta discrep\u00e0ncia de criteris pot generar conflictes importants en cas de sinistre. Per als instal\u00b7ladors de plaques fotovoltaiques, la ubicaci\u00f3 sobre una coberta amb panell sandvitx pot semblar una opci\u00f3 convenient en termes de comoditat, preu i rapidesa. No obstant aix\u00f2, si la instal\u00b7laci\u00f3 d&#8217;aquesta placa no va ser degudament comunicada a la companyia d&#8217;assegurances, aquesta considera la manca d&#8217;informaci\u00f3 com un agreujament clar del risc.<\/p>\n<p>En aquest sentit, a Jhasa subratllen com la manca de comunicaci\u00f3 de la instal\u00b7laci\u00f3 de plaques solars sobre coberta amb panell sandvitx pot portar les asseguradores a aplicar una Regla d&#8217;Equitat per prorratejar a la baixa la possible indemnitzaci\u00f3. En aquest sup\u00f2sit, el broker indica que es podrien donar 2 possibles escenaris. Un \u00e9s que, havent tingut coneixement la companyia de la instal\u00b7laci\u00f3, hagu\u00e9s cobrat una prima superior a la realment cobrada per la manca de la informaci\u00f3. Per tant, davant d&#8217;un sinistre, es podria reduir a la meitat l&#8217;import dels danys sumat al descompte per l&#8217;import de franqu\u00edcia.<\/p>\n<p>I el segon escenari \u00e9s que l&#8217;asseguradora no hauria acceptat mai la subscripci\u00f3 d&#8217;aquest risc per estar completament fora de les seves normes. Aleshores, si passa un sinistre, com un incendi causat per sobreescalfament als panells solars, la companyia aplicaria la Regla d&#8217;Equitat al 100%. Per aix\u00f2, des de Jhasa insten els assegurats a ser proactius a l&#8217;hora de comunicar aquesta classe de projectes a les seves companyies d&#8217;assegurances per evitar complicacions i garantir una protecci\u00f3 adequada.<\/p>\n<p>&#8220;Fomentant una comunicaci\u00f3 oberta i proactiva i desenvolupant productes d&#8217;assegurances especialitzades, podem mitigar els riscos i assegurar que aquest creixement a l&#8217;energia solar sigui benefici\u00f3s per a tothom. \u00c9s fonamental que totes les parts involucrades en aquests projectes comprenguin la import\u00e0ncia de la ubicaci\u00f3 i els materials utilitzats, i que actu\u00efn amb responsabilitat per evitar conseq\u00fc\u00e8ncies negatives&#8221;, ha afirmat\u00a0Antonio Velasco, director de l?\u00e0rea de P&amp;C a Jhasa.<\/p>\n<p><strong>AUTOR: GRUP ASSEGURANCES<\/strong><\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Jhasa\u00a0analitza els desafiaments als quals s?enfronten les companyies d?assegurances en la subscripci\u00f3 de p\u00f2lisses per a projectes d?instal\u00b7laci\u00f3 de panells solars sobre coberta. Per comen\u00e7ar, el broker assenyala que\u00a0la ubicaci\u00f3\u00a0de les plaques solars fotovoltaiques a la coberta\u00a0representa ja un dels principals factors de risc\u00a0per a les asseguradores. Des de Jhasa expliquen que sovint els criteris [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3546,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[],"class_list":["post-3639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies-ca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Els principals factors de risc per a les asseguradores a la instal\u00b7laci\u00f3 de panells solars - Maite Marco<\/title>\n<meta name=\"description\" content=\"Jhasa\u00a0analitza els desafiaments als quals s?enfronten les companyies d?assegurances en projectes d?instal\u00b7laci\u00f3 de panells solars sobre coberta.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/maitemarco.com\/ca\/factors-risc-asseguradores-panells-solars\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Els principals factors de risc per a les asseguradores a la instal\u00b7laci\u00f3 de panells solars - 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