{"id":3159,"date":"2026-07-28T09:19:12","date_gmt":"2026-07-28T07:19:12","guid":{"rendered":"https:\/\/baratze.es\/?p=3159"},"modified":"2026-07-28T09:19:33","modified_gmt":"2026-07-28T07:19:33","slug":"seguro-placa-solar","status":"publish","type":"post","link":"https:\/\/baratze.es\/fr\/seguro-placa-solar\/","title":{"rendered":"Assurance pour panneaux solaires\u00a0: quelle couverture vous faut-il contre la gr\u00eale, le vol ou l\u2019incendie\u00a0?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><a href=\"https:\/\/baratze.es\/fr\/\"><strong>Installer des panneaux solaires<\/strong><\/a> L&#039;installation de panneaux solaires est un investissement de plus en plus courant pour les particuliers, les entreprises et les exploitations agricoles. Cependant, une fois install\u00e9s, une question essentielle se pose\u00a0: sont-ils r\u00e9ellement prot\u00e9g\u00e9s contre les dommages, le vol ou les incidents graves\u00a0? Souscrire une assurance adapt\u00e9e \u00e0 vos panneaux solaires n&#039;est pas un d\u00e9tail\u00a0; c&#039;est un moyen de prot\u00e9ger votre investissement et d&#039;\u00e9viter les d\u00e9penses impr\u00e9vues.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La gr\u00eale, les surtensions, les incendies, le vandalisme et le vol de composants sont des risques bien r\u00e9els. C&#039;est pourquoi il est important d&#039;examiner attentivement les garanties de la police d&#039;assurance et les lacunes qui pourraient exposer le propri\u00e9taire \u00e0 des risques.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Est-il obligatoire de souscrire une assurance pour les panneaux solaires\u00a0?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la plupart des cas, <strong>Il n&#039;est pas obligatoire de souscrire une assurance sp\u00e9cifique pour un <a href=\"https:\/\/baratze.es\/fr\/solaire\/\">installation photovolta\u00efque<\/a><\/strong>, Toutefois, il est fortement recommand\u00e9 de prot\u00e9ger un investissement qui peut d\u00e9passer plusieurs milliers d&#039;euros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La n\u00e9cessit\u00e9 d&#039;assurer l&#039;installation d\u00e9pendra du type de bien, de l&#039;utilisation faite de l&#039;\u00e9nergie produite et des conditions \u00e9tablies par la compagnie d&#039;assurance ou l&#039;\u00e9tablissement financier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Maisons individuelles :<\/strong> le <a href=\"https:\/\/baratze.es\/fr\/solaire\/\"><strong>panneaux solaires<\/strong><\/a> Ces \u00e9l\u00e9ments peuvent \u00eatre couverts par l&#039;assurance habitation, \u00e0 condition d&#039;\u00eatre correctement d\u00e9clar\u00e9s et que l&#039;assureur les consid\u00e8re comme faisant partie int\u00e9grante du b\u00e2timent. Avant de prendre cela pour acquis, il est conseill\u00e9 de v\u00e9rifier les garanties et le montant assur\u00e9.<\/li>\n\n\n\n<li><strong>Entreprises et industries :<\/strong> Comme il s&#039;agit d&#039;installations de grande valeur, il est courant de souscrire une police d&#039;assurance sp\u00e9cifique ou d&#039;\u00e9tendre l&#039;assurance multirisque pour inclure \u00e0 la fois l&#039;\u00e9quipement et tout dommage potentiel r\u00e9sultant de son fonctionnement.<\/li>\n\n\n\n<li><strong>Installations financ\u00e9es\u00a0:<\/strong> Certains \u00e9tablissements financiers peuvent exiger que l&#039;installation reste assur\u00e9e pendant toute la dur\u00e9e du pr\u00eat ou du contrat de financement.<\/li>\n\n\n\n<li><strong>Associations de propri\u00e9taires :<\/strong> Lorsque l&#039;installation est destin\u00e9e \u00e0 un usage communautaire, il peut \u00eatre n\u00e9cessaire de mettre \u00e0 jour l&#039;assurance communautaire pour y inclure la nouvelle valeur assur\u00e9e et de revoir la couverture de responsabilit\u00e9 civile.<\/li>\n<\/ul>\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>Conseil:<\/strong> apr\u00e8s <a href=\"https:\/\/baratze.es\/fr\/\">installer des panneaux solaires<\/a>, Signalez toujours tout changement \u00e0 votre assureur. De nombreuses polices ne mettent pas automatiquement \u00e0 jour le montant assur\u00e9 et, en cas de sinistre, vous pourriez vous retrouver avec une couverture insuffisante, voire un refus d&#039;indemnisation.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Quels sont les risques r\u00e9els d&#039;une installation photovolta\u00efque ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que les panneaux solaires soient con\u00e7us pour r\u00e9sister aux conditions climatiques difficiles, aucune installation n&#039;est \u00e0 l&#039;abri des incidents. Des ph\u00e9nom\u00e8nes tels que <strong>gr\u00eale<\/strong>, il <strong>vent<\/strong>, le <strong>surtensions \u00e9lectriques<\/strong>, le <strong>incendies<\/strong>, il <strong>cambriolage<\/strong> ou le <strong>actes de vandalisme<\/strong> peut endommager les modules, l&#039;onduleur ou la structure de support.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprendre ces risques est la premi\u00e8re \u00e9tape pour choisir une assurance qui prot\u00e8ge ad\u00e9quatement l&#039;installation et \u00e9vite les d\u00e9penses impr\u00e9vues en cas d&#039;accident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Que couvre l&#039;assurance des panneaux solaires\u00a0?<\/h2>\n\n\n\n<div class=\"baratze-table-wrapper\">\n<table class=\"baratze-table\">\n    <thead>\n        <tr>\n            <th>Couverture<\/th>\n            <th>Qu&#039;est-ce que cela comprend g\u00e9n\u00e9ralement ?<\/th>\n            <th>Que faut-il r\u00e9viser ?<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n\n        <tr>\n            <td>Feu<\/td>\n            <td>Dommages caus\u00e9s par l&#039;incendie aux panneaux solaires, \u00e0 l&#039;onduleur, \u00e0 la structure de support et aux autres composants.<\/td>\n            <td>V\u00e9rifiez les limites d&#039;indemnisation et si elles couvrent le remplacement de tout l&#039;\u00e9quipement.<\/td>\n        <\/tr>\n\n        <tr>\n            <td>Ph\u00e9nom\u00e8nes atmosph\u00e9riques<\/td>\n            <td>Dommages caus\u00e9s par la gr\u00eale, le vent, les fortes pluies ou les temp\u00eates.<\/td>\n            <td>Examinez les conditions minimales requises pour que la couverture soit applicable.<\/td>\n        <\/tr>\n\n        <tr>\n            <td>Dommages \u00e9lectriques<\/td>\n            <td>Surtensions, courts-circuits ou dysfonctionnements affectant l&#039;onduleur et d&#039;autres composants \u00e9lectriques.<\/td>\n            <td>V\u00e9rifiez les exclusions et si la garantie couvre \u00e0 la fois la r\u00e9paration et le remplacement.<\/td>\n        <\/tr>\n\n        <tr>\n            <td>Vol et vandalisme<\/td>\n            <td>Le vol de panneaux, d&#039;onduleurs, de c\u00e2blage ou d&#039;autres composants, ainsi que les dommages dus au vandalisme.<\/td>\n            <td>V\u00e9rifiez si la police d&#039;assurance exige une protection contre les cambriolages ou des mesures de s\u00e9curit\u00e9 sp\u00e9cifiques.<\/td>\n        <\/tr>\n\n        <tr>\n            <td>responsabilit\u00e9 civile<\/td>\n            <td>dommages corporels ou mat\u00e9riels que l&#039;installation pourrait causer \u00e0 des tiers.<\/td>\n            <td>Examinez le capital assur\u00e9 et les \u00e9ventuelles exclusions de la couverture.<\/td>\n        <\/tr>\n\n    <\/tbody>\n<\/table>\n<\/div>\n\n<style>\n\n.baratze-table-wrapper{\n    overflow-x:auto;\n    margin:40px 0;\n}\n\n.baratze-table{\n    width:100%;\n    border-collapse:collapse;\n    background:#fff;\n    font-size:16px;\n    line-height:1.6;\n    border-radius:10px;\n    overflow:hidden;\n    box-shadow:0 6px 20px rgba(0,0,0,.06);\n}\n\n.baratze-table thead{\n    background:#7AA541;\n    color:#fff;\n}\n\n.baratze-table th{\n    padding:18px;\n    text-align:left;\n    font-weight:600;\n}\n\n.baratze-table td{\n    padding:18px;\n    border-bottom:1px solid #ECECEC;\n    vertical-align:top;\n}\n\n.baratze-table tbody tr:nth-child(even){\n    background:#F8FAF5;\n}\n\n.baratze-table tbody tr:hover{\n    background:#F1F7EA;\n    transition:.2s ease;\n}\n\n@media (max-width:768px){\n\n.baratze-table{\n    font-size:14px;\n}\n\n.baratze-table th,\n.baratze-table td{\n    padding:14px;\n}\n\n}\n\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\">L&#039;assurance habitation couvre-t-elle les panneaux solaires\u00a0?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9ponse est <strong>Cela d\u00e9pend<\/strong>. Bien que de nombreuses compagnies permettent d&#039;inclure les panneaux solaires dans l&#039;assurance habitation, <strong>Toutes les polices d&#039;assurance ne les couvrent pas automatiquement.<\/strong> Ils n&#039;offrent pas non plus les m\u00eames garanties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la plupart des cas, l&#039;installation doit \u00eatre express\u00e9ment d\u00e9clar\u00e9e \u00e0 l&#039;assureur afin d&#039;\u00eatre int\u00e9gr\u00e9e \u00e0 la structure du b\u00e2timent. De plus, si la valeur du bien augmente apr\u00e8s l&#039;installation, il est conseill\u00e9 de mettre \u00e0 jour le capital assur\u00e9 afin d&#039;\u00e9viter tout probl\u00e8me de sous-assurance en cas de sinistre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est \u00e9galement important de v\u00e9rifier la date d&#039;installation des panneaux solaires et la fa\u00e7on dont ils sont class\u00e9s par la compagnie d&#039;assurance. S&#039;agissant d&#039;une installation fixe ancr\u00e9e au b\u00e2timent, de nombreuses polices les incluent dans la couverture du b\u00e2timent, mais les conditions peuvent varier selon les compagnies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de consid\u00e9rer votre propri\u00e9t\u00e9 comme prot\u00e9g\u00e9e, v\u00e9rifiez votre contrat d&#039;assurance ou consultez votre assureur. Une simple mise \u00e0 jour de votre contrat peut faire toute la diff\u00e9rence entre une indemnisation compl\u00e8te et le risque de devoir prendre en charge une partie des dommages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Que se passe-t-il si l&#039;installation a lieu dans une entreprise\u00a0?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le<a href=\"https:\/\/baratze.es\/fr\/solaire\/entreprises\/\"> <strong>panneaux solaires pour entreprises<\/strong><\/a>, Dans les b\u00e2timents industriels, les h\u00f4tels ou les exploitations agricoles, la valeur des installations est g\u00e9n\u00e9ralement plus \u00e9lev\u00e9e que dans une habitation. Il est donc conseill\u00e9 de v\u00e9rifier que la police d&#039;assurance couvre tous les composants du syst\u00e8me, la responsabilit\u00e9 civile et, le cas \u00e9ch\u00e9ant, les pertes de production en cas de panne. Adapter la police aux sp\u00e9cificit\u00e9s de l&#039;installation permet de garantir une protection ad\u00e9quate contre les impr\u00e9vus.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/baratze.es\/wp-content\/uploads\/2026\/07\/seguros-para-placas-solares-1024x683.jpg\" alt=\"Assurance pour panneaux solaires\" class=\"wp-image-3161\" srcset=\"https:\/\/baratze.es\/wp-content\/uploads\/2026\/07\/seguros-para-placas-solares-1024x683.jpg 1024w, https:\/\/baratze.es\/wp-content\/uploads\/2026\/07\/seguros-para-placas-solares-300x200.jpg 300w, https:\/\/baratze.es\/wp-content\/uploads\/2026\/07\/seguros-para-placas-solares-768x512.jpg 768w, https:\/\/baratze.es\/wp-content\/uploads\/2026\/07\/seguros-para-placas-solares-1536x1024.jpg 1536w, https:\/\/baratze.es\/wp-content\/uploads\/2026\/07\/seguros-para-placas-solares-2048x1365.jpg 2048w, https:\/\/baratze.es\/wp-content\/uploads\/2026\/07\/seguros-para-placas-solares-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Assurance pour panneaux solaires<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Que ne couvre g\u00e9n\u00e9ralement PAS l&#039;assurance des panneaux solaires\u00a0?<\/h2>\n\n\n\n<div class=\"baratze-table-wrapper\">\n<table class=\"baratze-table-minimal\">\n    <thead>\n        <tr>\n            <th>Exclusion<\/th>\n            <th>Qu&#039;est-ce que \u00e7a veut dire?<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>Usure naturelle<\/td>\n            <td>La d\u00e9t\u00e9rioration due au passage du temps ou \u00e0 l&#039;usage normal n&#039;est g\u00e9n\u00e9ralement pas couverte par la police d&#039;assurance.<\/td>\n        <\/tr>\n        <tr>\n            <td>Manque d&#039;entretien<\/td>\n            <td>Certains assureurs peuvent rejeter la demande d&#039;indemnisation s&#039;ils estiment que l&#039;\u00e9tablissement n&#039;a pas b\u00e9n\u00e9fici\u00e9 d&#039;un entretien ad\u00e9quat.<\/td>\n        <\/tr>\n        <tr>\n            <td>Installation d\u00e9fectueuse<\/td>\n            <td>Les dommages r\u00e9sultant d&#039;une installation incorrecte peuvent \u00eatre exclus selon les conditions de la police d&#039;assurance.<\/td>\n        <\/tr>\n        <tr>\n            <td>Dommages ant\u00e9rieurs<\/td>\n            <td>L&#039;assurance ne couvre pas les dommages qui existaient avant la signature du contrat.<\/td>\n        <\/tr>\n        <tr>\n            <td>Manipulation par des tiers<\/td>\n            <td>Il est conseill\u00e9 de v\u00e9rifier si la police d&#039;assurance limite la couverture lorsque des personnes ou des entreprises non autoris\u00e9es sont impliqu\u00e9es.<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n<\/div>\n\n<style>\n\n.baratze-table-wrapper{\n    overflow-x:auto;\n    margin:40px 0;\n}\n\n.baratze-table-minimal{\n    width:100%;\n    border-collapse:collapse;\n    background:#fff;\n    border:1px solid #7AA541;\n    border-radius:10px;\n    overflow:hidden;\n    font-size:16px;\n    line-height:1.6;\n}\n\n.baratze-table-minimal thead{\n    background:#fff;\n}\n\n.baratze-table-minimal th{\n    padding:18px;\n    text-align:left;\n    color:#7AA541;\n    font-weight:700;\n    border-bottom:2px solid #7AA541;\n}\n\n.baratze-table-minimal td{\n    padding:18px;\n    border-bottom:1px solid #ECECEC;\n    vertical-align:top;\n}\n\n.baratze-table-minimal tbody tr:last-child td{\n    border-bottom:none;\n}\n\n.baratze-table-minimal tbody tr:hover{\n    background:#FAFCF7;\n    transition:.2s ease;\n}\n\n@media (max-width:768px){\n\n.baratze-table-minimal{\n    font-size:14px;\n}\n\n.baratze-table-minimal th,\n.baratze-table-minimal td{\n    padding:14px;\n}\n\n}\n\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\">Liste de v\u00e9rification avant de souscrire une assurance pour panneaux solaires<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Prot\u00e8ge-t-il contre la gr\u00eale ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Comprend-il une protection contre les surtensions\u00a0?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Couvre-t-il le vol ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Comprend-il un onduleur\u00a0?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Remplacement par du neuf ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Est-ce que cela inclut la main-d&#039;\u0153uvre ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Existe-t-il une franchise ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2713 Existe-t-il une limite de vent ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Questions fr\u00e9quentes concernant l&#039;assurance des panneaux solaires<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1783057904346\"><strong class=\"schema-faq-question\">Que se passe-t-il si de la gr\u00eale tombe sur des panneaux solaires\u00a0?<\/strong> <p class=\"schema-faq-answer\">Les panneaux solaires sont con\u00e7us pour r\u00e9sister \u00e0 l&#039;impact de gr\u00ealons de taille moyenne, mais une temp\u00eate violente peut les endommager. Si votre contrat couvre les intemp\u00e9ries, votre assureur pourra prendre en charge la r\u00e9paration ou le remplacement du mat\u00e9riel endommag\u00e9, sous r\u00e9serve du respect des conditions \u00e9tablies.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783057936596\"><strong class=\"schema-faq-question\">L&#039;investisseur est-il assur\u00e9 ?<\/strong> <p class=\"schema-faq-answer\">Dans de nombreuses politiques, oui, bien que <strong>Il n&#039;est pas toujours inclus automatiquement.<\/strong>. L&#039;onduleur \u00e9tant l&#039;un des composants les plus importants et les plus co\u00fbteux d&#039;une installation photovolta\u00efque, il est conseill\u00e9 de v\u00e9rifier qu&#039;il figure express\u00e9ment parmi les \u00e9l\u00e9ments assur\u00e9s.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783057951920\"><strong class=\"schema-faq-question\">Les batteries d&#039;une installation solaire sont-elles couvertes par la garantie ?<\/strong> <p class=\"schema-faq-answer\">Cela d\u00e9pend du contrat d&#039;assurance. Certains contrats incluent les batteries dans la couverture de l&#039;installation photovolta\u00efque, tandis que d&#039;autres exigent qu&#039;elles soient d\u00e9clar\u00e9es sp\u00e9cifiquement en raison de leur valeur \u00e9conomique \u00e9lev\u00e9e.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783057970152\"><strong class=\"schema-faq-question\">Que se passe-t-il si j&#039;\u00e9tends l&#039;installation\u00a0?<\/strong> <p class=\"schema-faq-answer\">Si vous agrandissez votre installation photovolta\u00efque, <strong>Il est conseill\u00e9 d&#039;en informer la compagnie d&#039;assurance.<\/strong>. Autrement, la valeur assur\u00e9e pourrait devenir obsol\u00e8te et l&#039;indemnisation pourrait \u00eatre inf\u00e9rieure au co\u00fbt r\u00e9el du mat\u00e9riel en cas de sinistre.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783057981851\"><strong class=\"schema-faq-question\">Qui paie si un panneau solaire tombe et endommage un tiers ?<\/strong> <p class=\"schema-faq-answer\">Si l&#039;installation est couverte par <strong>responsabilit\u00e9 civile<\/strong>, L&#039;assurance peut couvrir les dommages corporels ou mat\u00e9riels caus\u00e9s \u00e0 des tiers, dans les limites pr\u00e9vues par le contrat. C&#039;est pourquoi elle constitue l&#039;une des couvertures les plus importantes, notamment pour les installations situ\u00e9es sur les toits ou dans les b\u00e2timents ouverts au public.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Instalar energ\u00eda solar es una inversi\u00f3n cada vez m\u00e1s habitual en viviendas, empresas y explotaciones. Sin embargo, una vez realizada la instalaci\u00f3n, aparece una pregunta clave: \u00bfest\u00e1 realmente protegida frente a da\u00f1os, robos o incidencias graves? Contratar un seguro de placa solar adecuado no es un detalle menor, sino una forma de proteger la inversi\u00f3n [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":3163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[17],"tags":[13,12],"class_list":["post-3159","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-instalaciones-realizadas","tag-energia-solar","tag-instalacion-fotovoltaica-de-autoconsumo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seguros para placas solares: qu\u00e9 coberturas necesitas ante granizo, robos o incendios<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/baratze.es\/fr\/seguro-placa-solar\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seguros para placas solares: qu\u00e9 coberturas necesitas ante granizo, robos o incendios\" \/>\n<meta property=\"og:description\" content=\"Instalar energ\u00eda solar es una inversi\u00f3n cada vez m\u00e1s habitual en viviendas, empresas y explotaciones. Sin embargo, una vez realizada la instalaci\u00f3n, aparece una pregunta clave: \u00bfest\u00e1 realmente protegida frente a da\u00f1os, robos o incidencias graves? 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Dado que el inversor es uno de los componentes m\u00e1s importantes y costosos de una instalaci\u00f3n fotovoltaica, conviene comprobar que figura expresamente entre los elementos asegurados.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/baratze.es\/seguro-placa-solar\/#faq-question-1783057951920","position":3,"url":"https:\/\/baratze.es\/seguro-placa-solar\/#faq-question-1783057951920","name":"Les batteries d&#039;une installation solaire sont-elles couvertes par la garantie ?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Depende del seguro contratado. Algunas p\u00f3lizas incluyen las bater\u00edas dentro de la cobertura de la instalaci\u00f3n fotovoltaica, mientras que otras requieren declararlas de forma espec\u00edfica debido a su elevado valor econ\u00f3mico.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/baratze.es\/seguro-placa-solar\/#faq-question-1783057970152","position":4,"url":"https:\/\/baratze.es\/seguro-placa-solar\/#faq-question-1783057970152","name":"Que se passe-t-il si j&#039;\u00e9tends l&#039;installation\u00a0?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Si ampl\u00edas tu instalaci\u00f3n fotovoltaica, <strong>es recomendable comunicarlo a la aseguradora<\/strong>. De lo contrario, el valor asegurado puede quedar desactualizado y la indemnizaci\u00f3n ser inferior al coste real de los equipos en caso de siniestro.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/baratze.es\/seguro-placa-solar\/#faq-question-1783057981851","position":5,"url":"https:\/\/baratze.es\/seguro-placa-solar\/#faq-question-1783057981851","name":"Qui paie si un panneau solaire tombe et endommage un tiers ?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Si la instalaci\u00f3n cuenta con cobertura de <strong>responsabilidad civil<\/strong>, el seguro puede hacerse cargo de los da\u00f1os personales o materiales ocasionados a terceros dentro de los l\u00edmites establecidos en la p\u00f3liza. Por este motivo, es una de las coberturas m\u00e1s importantes, especialmente en instalaciones situadas sobre cubiertas o edificios con tr\u00e1nsito de personas.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"}]}},"_links":{"self":[{"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/posts\/3159","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/comments?post=3159"}],"version-history":[{"count":5,"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/posts\/3159\/revisions"}],"predecessor-version":[{"id":3166,"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/posts\/3159\/revisions\/3166"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/media\/3163"}],"wp:attachment":[{"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/media?parent=3159"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/categories?post=3159"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baratze.es\/fr\/wp-json\/wp\/v2\/tags?post=3159"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}