{"id":540,"date":"2018-07-14T23:17:22","date_gmt":"2018-07-15T03:17:22","guid":{"rendered":"https:\/\/www.oaq.com\/ressources\/publications-de-loaq\/reclamation-dois-je-aviser-le-fonds\/"},"modified":"2026-02-27T15:23:24","modified_gmt":"2026-02-27T20:23:24","slug":"reclamation-dois-je-aviser-le-fonds","status":"publish","type":"post","link":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/reclamation-dois-je-aviser-le-fonds\/","title":{"rendered":"R\u00e9clamation : dois-je aviser le Fonds ?"},"content":{"rendered":"\n<p>Votre police d\u2019assurance responsabilit\u00e9 professionnelle stipule que vous avez l\u2019obligation d\u2019aviser le Fonds des architectes d\u00e8s que vous avez connaissance d\u2019une r\u00e9clamation. Toute omission ou tout retard, si cela cause un pr\u00e9judice au Fonds, peut entra\u00eener la perte de vos droits \u00e0 b\u00e9n\u00e9ficier de la garantie.<\/p>\n\n\n\n<p>Malheureusement, nous constatons que cette obligation est, \u00e0 l\u2019occasion, n\u00e9glig\u00e9e par certains assur\u00e9s. Cela ne rel\u00e8ve pas tant de l\u2019insouciance que d\u2019une m\u00e9connaissance du terme \u00ab\u2009r\u00e9clamation\u2009\u00bb.<\/p>\n\n\n\n<p>Qu\u2019est-ce qu\u2019une r\u00e9clamation\u2009? Tentons d\u2019y voir clair.<\/p>\n\n\n\n<p>Avant tout, nous vous invitons \u00e0 relire l\u2019article&nbsp;1.13 de votre police d\u2019assurance, qui donne la d\u00e9finition suivante\u2009:<\/p>\n\n\n\n<p><strong>1.13. R\u00e9clamation<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list is-style-classic\">\n<li><em>toute demande, verbale ou \u00e9crite, en argent ou en services, y compris par toute forme de poursuite judiciaire, recours \u00e0 l\u2019arbitrage ou \u00e0 la m\u00e9diation; ou<\/em><\/li>\n\n\n\n<li>t<em>oute all\u00e9gation, verbale ou \u00e9crite ayant trait \u00e0 une faute r\u00e9elle ou all\u00e9gu\u00e9e, survenue en rendant un Service professionnel et dont un Assur\u00e9 a connaissance; ou<\/em><\/li>\n\n\n\n<li>t<em>ous faits ou circonstances, r\u00e9els ou all\u00e9gu\u00e9s, pouvant donner lieu \u00e0 une telle demande ou all\u00e9gation contre un Assur\u00e9 et dont il a connaissance.<\/em><\/li>\n<\/ol>\n\n\n\n<p>Les deux premiers alin\u00e9as ne posent pas probl\u00e8me (reproche verbal d\u2019un client, mise en demeure, poursuite judiciaire, etc.). Toutefois, l\u2019alin\u00e9a&nbsp;3 est plus difficile \u00e0 cerner. Qu\u2019est-ce qu\u2019un \u00ab\u2009fait ou circonstance pouvant donner lieu \u00e0 une telle demande ou all\u00e9gation\u2009\u00bb\u2009?<\/p>\n\n\n\n<p>Illustrons cette notion par quelques exemples\u2009:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-classic\">\n<li>Votre client vous informe d\u2019une infiltration d\u2019eau par la toiture de sa r\u00e9sidence et vous demande de l\u2019aider \u00e0 r\u00e9soudre le probl\u00e8me. \u00c9videmment, il n\u2019est pas en mesure de vous faire un quelconque reproche \u00e0 ce stade. Toutefois, comme l\u2019infiltration survient moins d\u2019un an apr\u00e8s la fin des travaux et que vous en avez effectu\u00e9 la surveillance, votre client b\u00e9n\u00e9ficie d\u2019un recours contre vous conjointement avec l\u2019entrepreneur en vertu de l\u2019article\u00a02120 du Code civil du Qu\u00e9bec. Il s\u2019agit donc d\u2019un fait pouvant donner lieu \u00e0 une poursuite judiciaire.<\/li>\n\n\n\n<li>Un entrepreneur vous avise qu\u2019il vient de recevoir une mise en demeure ou une poursuite judiciaire li\u00e9e \u00e0 la construction d\u2019un immeuble dont vous \u00e9tiez l\u2019architecte concepteur. Un tel avis n\u2019est pas \u00e0 prendre \u00e0 la l\u00e9g\u00e8re. Si, au cours de son enqu\u00eate, l\u2019avocat de l\u2019entrepreneur d\u00e9c\u00e8le une faute de votre part, vous serez sans doute mis en demeure ou appel\u00e9 en garantie. De fait, vous avez connaissance d\u2019une situation pouvant potentiellement donner lieu \u00e0 une mise en demeure ou \u00e0 une poursuite judiciaire contre vous.<\/li>\n\n\n\n<li>Votre client vous transmet un rapport d\u2019expertise et vous demande vos commentaires. L\u2019expert y fait mention de plusieurs probl\u00e8mes reli\u00e9s \u00e0 l\u2019enveloppe du b\u00e2timent sans v\u00e9ritablement en cerner les causes ni bl\u00e2mer quiconque. Il annonce par ailleurs des investigations suppl\u00e9mentaires \u00e0 cet \u00e9gard. \u00c9tant donn\u00e9 que l\u2019enveloppe du b\u00e2timent rel\u00e8ve g\u00e9n\u00e9ralement de l\u2019architecture, il pourrait s\u2019agir soit d\u2019une faute de conception, soit d\u2019une faute dans votre mandat de surveillance (peut-\u00eatre m\u00eame des deux). Naturellement, il demeure possible qu\u2019il s\u2019agisse d\u2019une n\u00e9gligence relative \u00e0 l\u2019entretien de l\u2019immeuble. Ce qu\u2019il faut retenir de cette situation est qu\u2019elle est susceptible, \u00e0 plus ou moins br\u00e8ve \u00e9ch\u00e9ance, de donner lieu \u00e0 une mise en demeure plus sp\u00e9cifique ou \u00e0 une poursuite judiciaire.<\/li>\n<\/ul>\n\n\n\n<p>Ces exemples, qui pr\u00e9sentent des faits ou circonstances parmi d\u2019autres, permettent de constater que le terme \u00ab\u2009r\u00e9clamation\u2009\u00bb est tr\u00e8s large et qu\u2019il ne se r\u00e9sume pas \u00e0 la simple plainte verbale d\u2019un client, \u00e0 une mise en demeure ou encore \u00e0 une poursuite judiciaire.<\/p>\n\n\n\n<p>Comme en toute chose, pr\u00e9venir vaut mieux que gu\u00e9rir. Aussi, en cas de doute, n\u2019h\u00e9sitez pas \u00e0 communiquer avec le Fonds.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>* Analyste senior, Service des sinistres.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans certaines situations, les architectes ne se rendent pas compte qu\u2019ils font l\u2019objet d\u2019une r\u00e9clamation. Ils risquent alors de manquer \u00e0 leur obligation d\u2019en aviser le Fonds.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"671,648,576,590,553,677","_relevanssi_noindex_reason":"","footnotes":""},"tags":[],"publication-type":[7],"subject":[74],"class_list":["post-540","post","type-post","status-publish","format-standard","hentry","publication-type-fiche","subject-responsabilite-professionnelle"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e9clamation : dois-je aviser le Fonds ? - Espace Ressources<\/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:\/\/www.oaq.com\/ressources\/publications-ordre\/reclamation-dois-je-aviser-le-fonds\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9clamation : dois-je aviser le Fonds ? - Espace Ressources\" \/>\n<meta property=\"og:description\" content=\"Dans certaines situations, les architectes ne se rendent pas compte qu\u2019ils font l\u2019objet d\u2019une r\u00e9clamation. 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