{"id":48135,"date":"2026-03-11T09:30:21","date_gmt":"2026-03-11T13:30:21","guid":{"rendered":"https:\/\/www.millerthomson.com\/?p=48135"},"modified":"2026-03-18T15:45:21","modified_gmt":"2026-03-18T19:45:21","slug":"emond-c-trillium-la-cour-supreme-confirme-les-regles-sur-linterpretation-des-polices-dassurance","status":"publish","type":"post","link":"https:\/\/www.millerthomson.com\/fr\/perspectives-juridiques\/litige-commercial\/emond-c-trillium-la-cour-supreme-confirme-les-regles-sur-linterpretation-des-polices-dassurance\/","title":{"rendered":"<i>Emond c. Trillium<\/i>\u00a0: la Cour supr\u00eame confirme les r\u00e8gles sur l\u2019interpr\u00e9tation des polices d\u2019assurance"},"content":{"rendered":"\n<p>La d\u00e9cision r\u00e9cente de la Cour supr\u00eame du Canada dans l\u2019affaire <a href=\"https:\/\/www.canlii.org\/fr\/ca\/csc\/doc\/2026\/2026csc3\/2026csc3.html\"><em>Emond c. Trillium Mutual Insurance Co.<\/em><\/a> figure parmi les d\u00e9cisions les plus importantes \u00e0 avoir \u00e9t\u00e9 prises r\u00e9cemment concernant l\u2019interpr\u00e9tation des polices d\u2019assurance. La question portait sur le rapport entre un avenant co\u00fbt de reconstruction garanti et une exclusion des co\u00fbts accrus de conformit\u00e9.<\/p>\n\n\n\n<p>Bien que la d\u00e9cision de la Cour supr\u00eame n\u2019ait pas pour effet de modifier le cadre d\u2019interpr\u00e9tation \u00e9tabli dans <a href=\"https:\/\/www.canlii.org\/fr\/ca\/csc\/doc\/2016\/2016csc37\/2016csc37.html\"><em>Ledcor<\/em><\/a> et <a href=\"https:\/\/www.canlii.org\/fr\/ca\/csc\/doc\/2010\/2010csc33\/2010csc33.html\"><em>Progressive Homes<\/em><\/a>, elle renforce le mode d\u2019application de ces principes, notamment en ce qui concerne les avenants, le seuil d\u2019ambigu\u00eft\u00e9 et la port\u00e9e limit\u00e9e de la doctrine ontarienne de l\u2019annulation d\u2019une couverture.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e9sum\u00e9 de l\u2019affaire<\/h2>\n\n\n\n<p>La maison des appelants, un couple, a \u00e9t\u00e9 d\u00e9truite par une inondation en 2019. \u00c9tant donn\u00e9 que la maison \u00e9tait situ\u00e9e sur un territoire relevant d\u2019un office de protection de la nature, la reconstruction devait \u00eatre conforme \u00e0 des exigences r\u00e8glementaires qui entra\u00eenaient des co\u00fbts accrus de construction.<\/p>\n\n\n\n<p>La maison \u00e9tait assur\u00e9e aux termes d\u2019une police d\u2019assurance type \u00ab&nbsp;formule g\u00e9n\u00e9rale&nbsp;\u00bb \u00e9mise par l\u2019intim\u00e9e, Trillium Mutual Insurance Company (\u00ab&nbsp;<strong>Trillium&nbsp;<\/strong>\u00bb). Trillium a reconnu que l\u2019inondation constituait un sinistre assur\u00e9. Le litige portait sur la question de savoir si les co\u00fbts accrus de conformit\u00e9 aux r\u00e8glements de l\u2019office de protection de la nature \u00e9taient couverts.<\/p>\n\n\n\n<p>Aux termes de la police m\u00e8re, le bien \u00e9tait assur\u00e9 contre les pertes ou les dommages mat\u00e9riels directs, sous r\u00e9serve de certaines exclusions, notamment les co\u00fbts accrus de r\u00e9paration ou de remplacement attribuables \u00e0 l\u2019application de toute loi r\u00e9glementant le zonage, la d\u00e9molition, la r\u00e9paration ou la construction de b\u00e2timents (l\u2019\u00ab&nbsp;<strong>exclusion du co\u00fbt de conformit\u00e9<\/strong>&nbsp;\u00bb). Cependant, l\u2019exclusion \u00e9tait explicitement soumise \u00e0 une exception stipulant que l\u2019assureur convenait de payer une somme suppl\u00e9mentaire jusqu\u2019\u00e0 concurrence de 10&nbsp;000&nbsp;$ pour les co\u00fbts accrus de conformit\u00e9 aux lois li\u00e9es au zonage et \u00e0 la construction.<\/p>\n\n\n\n<p>Outre la police m\u00e8re, les appelants avaient souscrit un avenant \u00ab&nbsp;co\u00fbt de reconstruction garanti&nbsp;\u00bb (\u00ab&nbsp;<strong>CRG&nbsp;<\/strong>\u00bb). L\u2019avenant CRG pr\u00e9voyait que si la maison \u00e9tait reconstruite au m\u00eame endroit avec des mat\u00e9riaux de qualit\u00e9 similaire en utilisant les techniques de construction actuelles, Trillium paierait la totalit\u00e9 du co\u00fbt des r\u00e9parations ou de remplacement, sans d\u00e9duction pour d\u00e9pr\u00e9ciation, m\u00eame si ce montant exc\u00e9dait le montant d\u2019assurance stipul\u00e9 aux conditions particuli\u00e8res. L\u2019avenant stipulait \u00e9galement que, \u00e0 tous les autres \u00e9gards, les dispositions de la police et les limites de responsabilit\u00e9 demeurent inchang\u00e9es. M\u00eame si la section qui comprenait les avenants reprenait un grand nombre des exclusions de la police, elle ne renfermait pas l\u2019exclusion du co\u00fbt de conformit\u00e9.<\/p>\n\n\n\n<p>Trillium a accept\u00e9 de verser une indemnit\u00e9 \u00e0 l\u2019\u00e9gard du sinistre, mais a refus\u00e9 de couvrir les co\u00fbts de conformit\u00e9 exc\u00e9dant la somme suppl\u00e9mentaire de 10&nbsp;000&nbsp;$. Les appelants ont fait valoir que l\u2019avenant CRG couvrait la totalit\u00e9 des co\u00fbts de reconstruction, y compris ceux d\u00e9coulant de la conformit\u00e9 \u00e0 la r\u00e9glementation.<\/p>\n\n\n\n<p>La juge saisie de la demande s\u2019est rang\u00e9e du c\u00f4t\u00e9 des appelants et a statu\u00e9 que l\u2019exclusion du co\u00fbt de conformit\u00e9 ne s\u2019appliquait pas aux exigences de l\u2019office de protection de la nature et, subsidiairement, que son application aurait pour effet d\u2019annuler l\u2019avenant CRG. La Cour d\u2019appel de l\u2019Ontario a accueilli l\u2019appel de Trillium et statu\u00e9 que l\u2019exclusion s\u2019appliquait de fa\u00e7on \u00e0 limiter le recouvrement \u00e0 la somme suppl\u00e9mentaire de 10&nbsp;000&nbsp;$ et que l\u2019application de l\u2019exclusion n\u2019avait pas priv\u00e9 d\u2019effet l\u2019avenant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment la Cour supr\u00eame a-t-elle confirm\u00e9 le cadre d\u2019interpr\u00e9tation?<\/h2>\n\n\n\n<p>S\u2019exprimant pour la majorit\u00e9, le juge Rowe a rejet\u00e9 l\u2019appel des appelants et confirm\u00e9 les principes \u00e9tablis qui r\u00e9gissent l\u2019interpr\u00e9tation des contrats d\u2019assurance, conform\u00e9ment aux d\u00e9cisions <em>Ledcor<\/em>et <em>Progressive Homes<\/em>&nbsp;:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Couverture\u00a0:<\/strong> L\u2019assur\u00e9 doit d\u2019abord d\u00e9montrer que le sinistre est couvert.<\/li>\n\n\n\n<li><strong>Exclusions\u00a0:<\/strong> L\u2019assureur doit ensuite \u00e9tablir qu\u2019une exclusion s\u2019applique.<\/li>\n\n\n\n<li><strong>Exceptions\u00a0:<\/strong> L\u2019assur\u00e9 peut se fonder sur une exception applicable \u00e0 l\u2019exclusion.<\/li>\n<\/ol>\n\n\n\n<p>La Cour supr\u00eame a soulign\u00e9 plusieurs points cl\u00e9s concernant les contrats d\u2019assurance, notamment le fait que&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les avenants ne sont pas des contrats autonomes. <\/strong>Ils modifient la police, mais ils y sont incorpor\u00e9s, et la police doit \u00eatre lue dans son ensemble.<\/li>\n\n\n\n<li><strong>La clart\u00e9 du libell\u00e9 est importante<\/strong>. Lorsqu\u2019un libell\u00e9 est clair et exempt d\u2019ambigu\u00eft\u00e9, les tribunaux doivent y donner effet.<\/li>\n\n\n\n<li><strong>Une ambigu\u00eft\u00e9 appara\u00eet une fois un certain seuil atteint. <\/strong>Une ambigu\u00eft\u00e9 appara\u00eet uniquement lorsque plusieurs interpr\u00e9tations raisonnables sont possibles. Dans de tels cas, les tribunaux peuvent appliquer des principes d\u2019interpr\u00e9tation plus larges, notamment les attentes raisonnables des parties, et, ultimement, r\u00e9soudre toute ambigu\u00eft\u00e9 qui subsiste en faveur de l\u2019assur\u00e9.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi l\u2019exclusion du co\u00fbt de conformit\u00e9 s\u2019appliquait-elle encore?<\/h2>\n\n\n\n<p>Appliquant ces principes, les juges majoritaires ont estim\u00e9 que l\u2019exclusion du co\u00fbt de conformit\u00e9 continuait de s\u2019appliquer malgr\u00e9 l\u2019avenant CRG.<\/p>\n\n\n\n<p>Le raisonnement de la Cour \u00e9tait principalement fond\u00e9 sur les \u00e9l\u00e9ments suivants&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019avenant CRG permettait le recouvrement des co\u00fbts de remplacement m\u00eame s\u2019ils exc\u00e9daient le montant d\u2019assurance figurant aux conditions particuli\u00e8res.<\/li>\n\n\n\n<li>L\u2019avenant stipulait explicitement que, \u00ab\u00a0\u00e0 tous les autres \u00e9gards, les dispositions de la police et les limites de responsabilit\u00e9 demeurent inchang\u00e9es\u00a0\u00bb.<\/li>\n\n\n\n<li>De plus, l\u2019exclusion ne comprenait pas de dispositions limitant son application \u00e0 des lois adopt\u00e9es apr\u00e8s l\u2019\u00e9mission de la police. Les juges majoritaires ont \u00e9galement rejet\u00e9 l\u2019argument selon lequel l\u2019application de l\u2019exclusion du co\u00fbt de conformit\u00e9 aurait pour effet d\u2019annuler l\u2019avantage conf\u00e9r\u00e9 par l\u2019avenant CRG; ils ont estim\u00e9 que cet avenant offrait toujours une protection importante. Par cons\u00e9quent, le fait d\u2019appliquer l\u2019exclusion n\u2019a pas priv\u00e9 d\u2019effet l\u2019avenant.<\/li>\n<\/ul>\n\n\n\n<p>La Cour supr\u00eame a donc jug\u00e9 que les appelants n\u2019avaient pas droit au recouvrement des co\u00fbts de conformit\u00e9 exc\u00e9dant la somme suppl\u00e9mentaire de 10&nbsp;000&nbsp;$.<\/p>\n\n\n\n<p>Il convient de noter que les juges Karakatsanis et C\u00f4t\u00e9, dissidentes en partie, auraient exig\u00e9 la couverture des co\u00fbts de conformit\u00e9 attribuables aux lois en vigueur au moment de la souscription ou du renouvellement, du fait qu\u2019elles accordaient davantage d\u2019importance \u00e0 l\u2019ambigu\u00eft\u00e9 et aux attentes raisonnables des assur\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quel message les assureurs et les titulaires de police doivent-ils retenir?<\/h2>\n\n\n\n<p>La d\u00e9cision <em>Emond<\/em> ne modifie pas les principes de base \u00e9nonc\u00e9s dans <em>Ledcor<\/em> ou <em>Progressive Homes<\/em>. Cependant, elle pr\u00e9cise et renforce plusieurs aspects importants du droit canadien de l\u2019assurance en ce sens qu\u2019elle&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>r\u00e9affirme la s\u00e9quence structur\u00e9e de l\u2019analyse\u00a0: couverture \u2192 exclusion \u2192 exception.<\/li>\n\n\n\n<li>confirme que les avenants s\u2019appliquent dans le cadre de la police de base et sont soumis \u00e0 ses dispositions, \u00e0 moins que leur libell\u00e9 n\u2019en stipule clairement autrement.<\/li>\n\n\n\n<li>pr\u00e9cise que l\u2019ambigu\u00eft\u00e9 est conditionnelle \u00e0 la pr\u00e9sence d\u2019interpr\u00e9tations raisonnables concurrentes, pas \u00e0 une simple issue d\u00e9favorable.<\/li>\n\n\n\n<li>renforce le fait que la doctrine de l\u2019annulation de couverture s\u2019applique lorsqu\u2019une police ou un avenant serait priv\u00e9 de son objectif essentiel.<\/li>\n<\/ul>\n\n\n\n<p>En fin de compte, la d\u00e9cision <em>Emond<\/em> apporte de la pr\u00e9visibilit\u00e9 \u00e0 l\u2019interpr\u00e9tation des polices d\u2019assurance tout en confirmant que le r\u00e8glement des litiges li\u00e9s \u00e0 la couverture repose essentiellement sur un examen minutieux du libell\u00e9 du contrat.<\/p>\n\n\n\n<p>Pour conna\u00eetre l\u2019incidence \u00e9ventuelle de la d\u00e9cision <em>Emond <\/em>sur le libell\u00e9 de vos contrats, vos positions en mati\u00e8re de couverture ou vos litiges en cours, n\u2019h\u00e9sitez pas \u00e0 contacter nos \u00e9quipes <a href=\"https:\/\/www.millerthomson.com\/fr\/expertises\/litige-commercial\/\"><strong>Litige commercial<\/strong><\/a> et <a href=\"https:\/\/www.millerthomson.com\/fr\/expertises\/litige-en-assurances\/\"><strong>Litige en assurances<\/strong><\/a> aujourd\u2019hui m\u00eame pour discuter de l\u2019impact juridique de ces changements ou obtenir un accompagnement adapt\u00e9 \u00e0 vos besoins.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La d\u00e9cision r\u00e9cente de la Cour supr\u00eame du Canada dans l\u2019affaire Emond c. Trillium Mutual Insurance Co. figure parmi les d\u00e9cisions les plus importantes \u00e0 avoir \u00e9t\u00e9 prises r\u00e9cemment concernant l\u2019interpr\u00e9tation des polices d\u2019assurance. La question portait sur le rapport entre un avenant co\u00fbt de reconstruction garanti et une exclusion des co\u00fbts accrus de conformit\u00e9. [&hellip;]<\/p>\n","protected":false},"author":122,"featured_media":25533,"parent":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[598],"insight-format":[470],"class_list":["post-48135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-litige-commercial"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Emond c. 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