water damage claim · Sinistre Clair : le dégât des eaux déclaré au bon assureur, avec les bonnes pièces, du premier coup

ItemItem	FindingFinding
Likely origin	Shower seal, third floor left
Damaged unit	Second floor left, let flat
Occupier of the damaged unit	Tenant, home policy in their own name
Other areas affected	Common parts, second-floor landing
Estimated damage	2 100 EUR excl. tax (ceiling, paint, light fitting)

Item

Finding

Likely origin

Shower seal, third floor left

Damaged unit

Second floor left, let flat

Occupier of the damaged unit

Tenant, home policy in their own name

Other areas affected

Common parts, second-floor landing

Estimated damage

2 100 EUR excl. tax (ceiling, paint, light fitting)

Question	Answer	Consequence
Who occupies the damaged unit?	The second-floor left tenant	Their insurer is the handler
Damage excluding tax	2 100 EUR	Bracket 2, assessment compulsory
Leak detection	To be commissioned	Covered, no excess, outside the threshold
Landlord's role	Notify their own insurer too	But the file is run by the handler

Question

Answer

Consequence

Who occupies the damaged unit?

The second-floor left tenant

Their insurer is the handler

Damage excluding tax

2 100 EUR

Bracket 2, assessment compulsory

Leak detection

To be commissioned

Covered, no excess, outside the threshold

Landlord's role

Notify their own insurer too

But the file is run by the handler

Hello, I am filing a water damage claim found on Tuesday 11 August 2026 at 8 rue Lamartine, block B, second floor left flat. Your policyholder is the occupier of the damaged unit, which makes you the handling insurer under the convention. Likely origin: shower seal in the third floor left flat. Areas affected: second floor left bathroom and the second-floor landing. Damage estimated at 2 100 euros excluding tax, on the attached contractor quote. That figure puts the file in the bracket where an expert assessment is compulsory, so please let me know when your assessor will attend. Leak detection is needed to confirm the origin. It is covered with no excess; I will commission it on your agreement and I have kept it out of the estimate above. Attached: four timestamped photos from 11 August, one from the 12th, the quote, and the contact details of the third floor left owner. Kind regards, Building management

Milestone	Date	State
Discovery	11/08	Done
Filed with the handler	13/08	Done, inside the five working days
Leak detection	pending	No insurer approval yet, chase on 20/08
Assessor appointment	pending	Compulsory in bracket 2, chase on 27/08

Milestone

Date

State

Discovery

11/08

Done

Filed with the handler

13/08

Done, inside the five working days

Leak detection

pending

No insurer approval yet, chase on 20/08

Assessor appointment

pending

Compulsory in bracket 2, chase on 27/08

The job

In a water damage claim inside a shared building, the expensive question is not the amount, it is who handles it. The French inter-insurer convention, signed in 2018 and revised in 2020, applies below 5 000 euros excluding tax of damage and names as handler the insurer of the occupier of the damaged unit: the tenant, not the landlord. Two brackets follow: up to 1 600 euros excluding tax the handling insurer pays alone, above that and up to 5 000 an expert assessment becomes compulsory. Leak detection is covered with no excess. A volunteer building manager who files with the wrong insurer loses three weeks before finding out. A lab takes your notes and photos, names the handler, writes the claim and keeps the schedule.

Under your own brand

It wears your name, not ours.

The same lab, under your name, your colours and your logo. Your customers never see ours.

taquet.ai

AskMOJO

your-business.example

Your business

Your colours, in one field.

Your logo and your favicon, on every public surface.

Your own address, on a verified domain.

On the Pro plan, and not needed to take a lab. A fully bespoke theme exists as an upgrade, hand built rather than self-serve.

Why not another web app built for your trade

Built around your business, not the average one.

What it knows, what it keeps and what it does are yours to write, and two businesses running the same idea end up with two different labs.

Its sources are not a closed list.

A vertical tool ships with the sources its vendor chose, and that is the ceiling. A lab can be pointed at the ones your business actually runs on, connected from your own accounts, and everything they bring back lands in your collections, which you own and can take with you.

A tool built for exactly your job, and only that, will go deeper at that one job. This is for the jobs nothing covers, or the ones spread across three tools today.

Questions · 6

The flat is let. Do I file with my insurer or the tenant's?

That is the most common mistake and the most expensive in delay. Below the convention threshold, the handler is the insurer of the occupier of the damaged unit, so the tenant's. You still notify your own, but the file is run by theirs, and knowing that on day one changes the whole timeline.

1 600 euros, 5 000 euros: what do these thresholds count?

Damage excluding tax, not the repair invoice including tax and not leak detection. Up to 1 600 euros excluding tax the handling insurer pays alone; between 1 600 and 5 000 an expert assessment becomes compulsory, so an appointment to book and a delay to plan for. Above 5 000 you leave the convention.

Who pays for leak detection?

It is covered, with no excess, under the convention. It is the line private owners most often miss, and the one they end up paying out of pocket for. The lab puts it in the claim itself rather than in a side note, because side notes do not get read.

How long do I have to file?

Five working days is the usual policy deadline for water damage. Check yours, that is what counts. What the lab holds is the countdown: it starts from the discovery date you give it, not from the day you open the file.

The file has not moved for three weeks. What do I do?

You chase in writing, with the filing date, the claim number and the bracket the file falls into. The bracket is what gives you the argument: above 1 600 euros excluding tax an assessment is compulsory, so no expert appointment is a gap to name, not slowness to endure.

Why this rather than a tool built for my trade?

A tool built for exactly volunteer building managers, small landlords and anyone managing a handful of units, and only that, will go deeper at that one job. This lab is for the jobs no tool covers, or the ones spread across three tools today, and it runs under your name.