{"id":349643,"date":"2026-10-20T17:54:19","date_gmt":"2026-10-20T15:54:19","guid":{"rendered":"https:\/\/www.fincasolivares.com\/?p=349643"},"modified":"2026-10-20T17:54:29","modified_gmt":"2026-10-20T15:54:29","slug":"aigua-del-sostre-qui-paga-una-filtracio-daigua-i-que-cobreix-lasseguranca","status":"publish","type":"post","link":"https:\/\/www.fincasolivares.com\/ca\/aigua-del-sostre-qui-paga-una-filtracio-daigua-i-que-cobreix-lasseguranca\/","title":{"rendered":"Aigua del sostre: Qui paga una filtraci\u00f3 d&#8217;aigua i qu\u00e8 cobreix l\u2019asseguran\u00e7a?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Per saber qui paga una filtraci\u00f3 d\u2019aigua al sostre, cal identificar l\u2019origen de la gotera:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si ve d\u2019un <strong>element privatiu<\/strong>, com una instal\u00b7laci\u00f3 del pis de dalt, paga el propietari d\u2019aquest pis o la seva asseguran\u00e7a.<\/li>\n\n\n\n<li>Si ve d\u2019un <strong>element com\u00fa<\/strong> de l\u2019edifici, paga la comunitat de propietaris.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Elements privatius i comuns: la clau per saber qui paga<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019article 396 del Codi Civil distingeix entre els elements d\u2019\u00fas exclusiu de cada propietari i els que pertanyen a tots.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Preguntes freq\u00fcents<\/th><th>Element privatiu<\/th><th>Element com\u00fa<\/th><\/tr><\/thead><tbody><tr><td><strong>Qu\u00e8 \u00e9s<\/strong><\/td><td>Espai de propietat exclusiva de cada titular, delimitat i d\u2019\u00fas independent.<\/td><td>Elements, serveis i estructures necessaris per a l\u2019\u00fas i el gaudi de l\u2019edifici. Pertanyen a tots els propietaris en copropietat.<\/td><\/tr><tr><td><strong>Qui s\u2019encarrega del manteniment<\/strong><\/td><td>Cada propietari.<\/td><td>La comunitat de propietaris.<\/td><\/tr><tr><td><strong>Com es paguen les reparacions<\/strong><\/td><td>Les paga el propietari o la seva asseguran\u00e7a de la llar.<\/td><td>Amb les quotes ordin\u00e0ries o amb derrames extraordin\u00e0ries.<\/td><\/tr><tr><td><strong>Exemples habituals<\/strong><\/td><td>\u2022 Canonades de l\u2019habitatge a partir de la clau de pas<br>\u2022 Aixetes mal tancades o en mal estat<br>\u2022 Aig\u00fceres, lavabos i sanitaris<br>\u2022 Electrodom\u00e8stics (rentadora, rentaplats)<br>\u2022 Juntes de silicona de la dutxa o la banyera<\/td><td>\u2022 Teulades i cobertes<br>\u2022 Baixants generals i canonades comunit\u00e0ries<br>\u2022 Fa\u00e7anes i celoberts<br>\u2022 Canals i baixants pluvials<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Compte amb les terrasses:<\/strong> una terrassa que fa de coberta de l\u2019edifici sol ser un element com\u00fa, encara que nom\u00e9s la faci servir un ve\u00ed. Normalment la comunitat paga la impermeabilitzaci\u00f3 i l\u2019estructura, i el ve\u00ed que la fa servir paga el manteniment ordinari i els danys per mal \u00fas. Per a casos concrets, consulta els estatuts i el t\u00edtol constitutiu.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Filtraci\u00f3 al sostre: paga el ve\u00ed o la comunitat?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Qui paga dep\u00e8n de la causa. Un perit d\u2019assegurances o un lampista qualificat ha d\u2019inspeccionar l\u2019origen de la filtraci\u00f3 per determinar de qui \u00e9s la responsabilitat.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Situaci\u00f3<\/th><th>Qui paga<\/th><\/tr><\/thead><tbody><tr><td>La filtraci\u00f3 ve d\u2019una <strong>instal\u00b7laci\u00f3 privativa<\/strong> del pis de dalt<\/td><td>El propietari d\u2019aquest pis o la seva asseguran\u00e7a de responsabilitat civil. La llei l\u2019obliga a mantenir en bon estat el seu habitatge i les seves instal\u00b7lacions, i a reparar els danys que causi per descuit (art. 9.1.b LPH).<\/td><\/tr><tr><td>El pis de dalt est\u00e0 <strong>llogat<\/strong><\/td><td>Per regla general, el propietari, com a titular de l\u2019habitatge i de les seves instal\u00b7lacions. El llogater paga si es demostra que va actuar amb neglig\u00e8ncia, per exemple si va deixar una aixeta oberta o va connectar malament la rentadora.<\/td><\/tr><tr><td>La filtraci\u00f3 ve d\u2019un <strong>element com\u00fa<\/strong> (baixants generals, cobertes, terrats o fa\u00e7anes)<\/td><td>La comunitat de propietaris o la seva asseguran\u00e7a.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u00e8 cobreix l\u2019asseguran\u00e7a si cau aigua del sostre<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cal diferenciar dos tipus de cobertura:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Asseguran\u00e7a privada (de la llar o de la comunitat):<\/strong> cobreix els riscos ordinaris, com fuites, trencaments de canonades o filtracions.<\/li>\n\n\n\n<li><strong>Consorci de Compensaci\u00f3 d\u2019Assegurances:<\/strong> nom\u00e9s cobreix riscos extraordinaris, com inundacions extraordin\u00e0ries, terratr\u00e8mols, erupcions volc\u00e0niques, tempestes cicl\u00f2niques at\u00edpiques o danys per terrorisme. No es contracta a part: nom\u00e9s indemnitza si tens una p\u00f2lissa en vigor, perqu\u00e8 es finan\u00e7a amb un rec\u00e0rrec incl\u00f2s a les assegurances privades.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Per als riscos ordinaris, <strong><a href=\"https:\/\/housfy.com\/blog\/cuales-son-las-coberturas-mas-recomendadas-para-una-comunidad-de-propietarios\/\" target=\"_blank\" rel=\"noreferrer noopener\">recomanem que l\u2019asseguran\u00e7a cobreixi aquests costos:<\/a><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Localitzaci\u00f3 de la fuita:<\/strong> trobar el punt exacte on s\u2019origina.<\/li>\n\n\n\n<li><strong>Reparaci\u00f3 de l\u2019avaria:<\/strong> arreglar les canonades o conduccions malmeses.<\/li>\n\n\n\n<li><strong>Danys per aigua:<\/strong> reparar el sostre, la pintura i els altres b\u00e9ns afectats.<\/li>\n\n\n\n<li><strong>Responsabilitat civil:<\/strong> pagar els danys que el teu habitatge causi als ve\u00efns.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tenir una bona asseguran\u00e7a \u00e9s imprescindible, per\u00f2 tamb\u00e9 val la pena <strong><a href=\"https:\/\/housfy.com\/blog\/humedad-en-casa-reducirla-y-prevenirla\/\" target=\"_blank\" rel=\"noreferrer noopener\">prevenir o mitigar una humitat a casa.<\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Obligaci\u00f3 de conservar l\u2019edifici: Codi Civil de Catalunya i Llei de Propietat Horitzontal<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fer les obres de conservaci\u00f3 necess\u00e0ries per evitar filtracions \u00e9s una obligaci\u00f3 legal de la comunitat. A Catalunya s\u2019aplica el Llibre V del Codi Civil de Catalunya (CCCat). A la resta d\u2019Espanya s\u2019aplica la Llei de Propietat Horitzontal (LPH).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Codi Civil de Catalunya, article 553-44<\/h4>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00abLa comunitat ha de conservar els elements comuns de l\u2019immoble, de manera que compleixi les condicions estructurals, d\u2019habitabilitat, d\u2019accessibilitat, d\u2019estanquitat i de seguretat necess\u00e0ries o exigibles d\u2019acord amb la normativa vigent, i ha de mantenir en funcionament correcte els serveis i les instal\u00b7lacions. Els propietaris han d\u2019assumir les obres de conservaci\u00f3 i reparaci\u00f3 necess\u00e0ries\u00bb.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\">Llei de Propietat Horitzontal, article 10.1<\/h4>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00abTindran car\u00e0cter obligatori i no requeriran acord previ de la Junta de Propietaris, impliquin o no modificaci\u00f3 del t\u00edtol constitutiu o dels estatuts, i vinguin imposades per les administracions p\u00fabliques o sol\u00b7licitades pels propietaris, les actuacions seg\u00fcents:<br>a) Els treballs i les obres que siguin necessaris per al manteniment adequat i el compliment del deure de conservaci\u00f3 de l\u2019immoble i dels seus serveis i instal\u00b7lacions comuns (\u2026)\u00bb.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Passos per reclamar per una gotera del pis de dalt<\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Documenta els danys.<\/strong> Fes fotos i v\u00eddeos de la gotera i dels danys, amb la data visible.<\/li>\n\n\n\n<li><strong>Avisa el ve\u00ed causant.<\/strong> Digues-li en persona o per escrit. Moltes vegades n\u2019hi ha prou que tanqui la clau de pas o l\u2019aixeta que ha quedat oberta.<\/li>\n\n\n\n<li><strong>Comunica el sinistre a la teva asseguradora.<\/strong> Tens un termini m\u00e0xim de set dies des que el descobreixes, tret que la p\u00f2lissa et doni m\u00e9s temps (art. 16 de la Llei 50\/1980, de contracte d\u2019asseguran\u00e7a). Si avises tard, l\u2019asseguradora et pot reclamar els perjudicis que li causi el retard.<\/li>\n\n\n\n<li><strong>Demana un peritatge per identificar l\u2019origen.<\/strong> Un perit o un lampista qualificat ha de determinar si el dany ve d\u2019un element privatiu o d\u2019un de com\u00fa.<\/li>\n\n\n\n<li><strong>Informa la presid\u00e8ncia i l\u2019administrador de finques.<\/strong> Aix\u00ed es pot activar l\u2019asseguran\u00e7a de la comunitat, si la causa \u00e9s un element com\u00fa, i demanar la mediaci\u00f3 de l\u2019administrador.<\/li>\n\n\n\n<li><strong>Reclama formalment la reparaci\u00f3.<\/strong> Si el ve\u00ed no assumeix la seva responsabilitat o no deixa entrar el perit o qui hagi de fer la reparaci\u00f3, envia-li un burofax amb certificaci\u00f3 de contingut i justificant de recepci\u00f3. Detalla-hi els danys i exigeix-ne la reparaci\u00f3 immediata.<\/li>\n\n\n\n<li><strong>Recorre a la via judicial.<\/strong> Si el causant continua negant-se, pots presentar una demanda civil per exigir la reparaci\u00f3 i una indemnitzaci\u00f3 pels danys i perjudicis.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/housfy.com\/administracion-fincas\" target=\"_blank\" rel=\"noreferrer noopener\">A Grup Housfy t\u2019acompanyem en la gesti\u00f3 del teu immoble<\/a><\/strong> per resoldre qualsevol sinistre amb la m\u00e0xima rapidesa.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Per saber qui paga una filtraci\u00f3 d\u2019aigua al sostre, cal identificar l\u2019origen de la gotera: Elements privatius i comuns: la clau per saber qui paga L\u2019article 396 del Codi Civil distingeix entre els elements d\u2019\u00fas exclusiu de cada propietari i els que pertanyen a tots. Preguntes freq\u00fcents Element privatiu Element com\u00fa Qu\u00e8 \u00e9s Espai de [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":349644,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"categories":[50],"tags":[],"class_list":["post-349643","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qui Paga Una Filtraci\u00f3 d&#039;Aigua i Qu\u00e8 Cobreix l&#039;Asseguran\u00e7a?<\/title>\n<meta name=\"description\" content=\"Vols descobrir fins on cobreix l&#039;asseguran\u00e7a i qui paga una filtraci\u00f3 d&#039;aigua realment? 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