{"id":1676,"date":"2024-06-13T14:08:47","date_gmt":"2024-06-13T12:08:47","guid":{"rendered":"https:\/\/afirmajuridico.com\/?p=1676"},"modified":"2024-07-24T09:51:38","modified_gmt":"2024-07-24T07:51:38","slug":"derecho-de-la-construccion-seguro-decenal-seguro-de-responsabilidad-civil-o-de-danos","status":"publish","type":"post","link":"https:\/\/afirmajuridico.com\/cat\/derecho-de-la-construccion-seguro-decenal-seguro-de-responsabilidad-civil-o-de-danos\/","title":{"rendered":"Dret de la construcci\u00f3. Asseguran\u00e7a decennal: asseguran\u00e7a de responsabilitat civil o de danys?"},"content":{"rendered":"

El Tribunal Suprem en la sent\u00e8ncia de la sala Primera, Ple, de 04\/06\/2024, n\u00fam. 790\/2024 resol un cas amb els antecedents que, resumidament, s\u00f3n:<\/p>\n\n\n\n

    \n
  1. Un promotor tenia contractada una asseguran\u00e7a decennal per construir un habitatge unifamiliar.<\/li>\n\n\n\n
  2. El promotor va vendre l'habitatge i posteriorment van apar\u00e8ixer unes esquerdes, cosa que va provocar una demanda judicial del propietari al promotor, que va resultar condemnat a pagar per vicis de l'edificaci\u00f3 (responsabilitat civil). No es va demanar a la companyia dassegurances de lasseguran\u00e7a decennal.<\/li>\n\n\n\n
  3. Posteriorment, el promotor va demandar l'asseguradora, en considerar que la p\u00f2lissa cobria la responsabilitat civil i que, per tant, havia de cobrir la indemnitzaci\u00f3 a qu\u00e8 aquell va ser condemnat.<\/li>\n\n\n\n
  4. El jutjat de Primera inst\u00e0ncia va estimar la demanda i va condemnar l'asseguradora, per\u00f2 l'Audi\u00e8ncia Provincial va estimar el recurs interposat per aquesta. El promotor va interposar recurs de cassaci\u00f3 davant del Tribunal Suprem, i aquest va desestimar el recurs.<\/li>\n<\/ol>\n\n\n\n

    El Tribunal Suprem recorda que l'asseguran\u00e7a decennal "garanteix que els propietaris d'habitatges de nova construcci\u00f3 siguin indemnitzats pels danys materials que pateixi l'edifici quan es donen les circumst\u00e0ncies exigides per la Llei d'ordenaci\u00f3 de l'edificaci\u00f3 (LOE)" asseguran\u00e7a de responsabilitat civil, que protegeixi o cobreixi la responsabilitat dels agents de l'edificaci\u00f3 o intervinents a l'obra davant de tercers\u2026 sin\u00f3 una asseguran\u00e7a de danys\u201d en qu\u00e8 l'assegurat \u00e9s \u201cqui sigui en cada moment propietari de l'immoble o de les unitats en qu\u00e8 aquest es divideix, per la qual cosa tindr\u00e0 aquesta condici\u00f3 el promotor fins que transmeti l'immoble i els successius adquirents a partir de la primera i les vendes ulteriors\u201d. \u2026 \u201cAquesta previsi\u00f3 de la LOE sobre la qualitat successiva d'assegurat, \u2026 comporta que la posici\u00f3 de l'assegurat sigui assumida durant la vig\u00e8ncia de l'asseguran\u00e7a per qui realment pugui resultar perjudicat pels vicis o defectes\u201d.<\/p>\n\n\n\n

    \u00c9s una asseguran\u00e7a que es contracta \u00abper compte de qui correspongui\u00bb. Per aix\u00f2, si promotor o el constructor, com a agents de l'edificaci\u00f3 indemnitzen el dany que pateix el comprador de l'habitatge, el que fan \u00e9s complir amb la seva responsabilitat civil, la qual no \u00e9s coberta a la p\u00f2lissa de l'asseguran\u00e7a decennal.<\/p>\n\n\n\n

    Conclou la sent\u00e8ncia: \u201cdes que el promotor va vendre l'habitatge unifamiliar objecte de construcci\u00f3 (inter\u00e8s assegurat) a un tercer, va perdre la condici\u00f3 d'assegurat i, per tant, la legitimaci\u00f3 per reclamar contra l'asseguradora amb fonament al contracte d'asseguran\u00e7a al que havia deixat de ser part. Legitimaci\u00f3 que, des de la transmissi\u00f3 de l'habitatge, correspon a l'adquirent\u2026\u201d<\/p>\n\n\n\n

    La Sent\u00e8ncia cita altres anteriors del mateix tribunal en qu\u00e8 es defineixen les difer\u00e8ncies entre l'asseguran\u00e7a de responsabilitat civil i la dels danys, especialment interessants en l'\u00e0mbit de la compravenda de mercaderies.<\/p>","protected":false},"excerpt":{"rendered":"

    El Tribunal Supremo en su sentencia de la sala Primera, Pleno, de 04\/06\/2024, \u00a0n\u00fam. 790\/2024 resuelve un caso con los […]<\/p>\n","protected":false},"author":2,"featured_media":469,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-inmobiliario-construccion-vivienda-y-comunidades-de-propietarios"],"yoast_head":"\nDerecho de la construcci\u00f3n. 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