ASSICURAZIONI PER SUPERBONUS

33

L’esigenza di inserire una misura come quella posta a protezione dei committenti privati nasce innanzitutto dal fatto che le assicurazioni obbligatorie già previste per i professionisti, risultano spesso inadeguate nel massimale rispetto all’importo complessivo dei lavori. 

In particolare, un primo tipo di protezione riguarderebbe le spese legali a carico del proprietario, per portare avanti le vertenze verso i tecnici incaricati di effettuare attestazioni, verifiche e asseverazioni. Un altro tipo di protezione, invece, potrebbe riguardare il caso in cui il committente abbia ceduto il credito oggetto di contestazione. In questa situazione, allora, si tratterebbe di rimborsare al committente le perdite subite, dal momento che potrebbe trovarsi sia a fronteggiare la restituzione degli importi indebitamente percepiti che la sospensione delle erogazioni ancora da liquidare. 

D’altro canto, però, oltre a considerare la durata della polizza e raffrontarla con gli 8 anni previsti affinché l’AdE possa emanare l’atto di recupero del credito, è altrettanto necessario considerare che in molte polizze di questo tipo, sono previste quote di scoperto (di solito calcolate in percentuale). 

Per quanto concerne i costi, infine, mentre l’assicurazione per le spese legali viaggia sui 100 – 300 euro a testa, quella per la cessione del credito è calcolabile tra l’1 e il 3% del valore dell’opera.

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