O que é o Seguro RCPM para Financiamento Imobiliário?
Imóveis

Tudo Sobre Seguro RCPM em Financiamento Imobiliário

Já ouviu falar em Seguro RCPM? No momento da compra ou venda de um imóvel financiado, muitas vezes este seguro é incluído como uma premissa, deixando muita gente na dúvida. O que é? Para que serve? Quem deve pagar: O comprador ou o vendedor do imóvel financiado? Realmente este é um tema que gera muitas dúvidas, e este artigo vem com a missão de esclarecer aos leitores todos os detalhes sobre o Seguro RCPM. Ao final do artigo, as principais dúvidas sobre o tema serão respondidas, e se ficar alguma, basta colocar ali nos comentários que a comunidade Informaremos buscará as respostas para você.

Durante a última venda de imóvel realizada por um construtor que divulga dados sobre o tema no blog Viver de Construção, foi comentada sobre a obrigatoriedade da contratação dos serviços de Seguro RCPM, para a liberação do dinheiro da venda a ele (vendedor). Com o intuito de melhor entender  sobre esta obrigatoriedade, o Informaremos decidiu investigar e prover todos os detalhes aqui neste artigo, provendo todas as explicações de maneira simples para serem usadas por vendedores que estão realizando a venda de imóveis na modalidade de financiamento, e também para compradores que se depararam com esta obrigatoriedade, principalmente nos financiamentos dos bancos Caixa e Banco do Brasil! Confira todos os detalhes abaixo.

A obrigatoriedade adotada tanto pela Caixa quanto pelo Banco do Brasil, originou-se devido ao grande número de processos judiciais que estavam sendo movidos pelos proprietários contra os bancos, que realizavam a venda dos imóveis pelo programa Minha Casa Minha Vida. O seguro, por sua vez, veio justamente para evitar estes prejuízos aos clientes, caso o responsável pela construção não realize a correção de danos conforme previsto em lei.

Seguro RCPM protege seu imóvel?

Seguro RCPM: O que é? Por que contratá-lo?

O Seguro RCPM (Responsabilidade Civil, Material e Profissional) é um seguro a ser contratado pelo vendedor para benefício ao comprador do imóvel, nos danos oriundos da execução (não estruturais) da obra e defeitos dos materiais incorporados em caráter permanente conforme descrito no memorial descritivo do imóvel (esquadrias, portas, janelas, pisos, revestimentos cerâmicos, instalações elétricas e hidráulicas, fissuras e trincas em alvenaria não estrutural). Em outras palavras, é o Seguro RCPM que garante o pagamento de indenizações decorrentes de reclamações do proprietário do imóvel contra o construtor ou responsável técnico, relacionadas a eventuais erros de projetos, execução ou materiais, por um período de até cinco anos a partir da data da contratação do seguro.

O Seguro RCPM é pré-requisito para que o imóvel possa ser vendido pelo programa Minha Casa Minha Vida, tanto na Caixa como no Banco do Brasil, pois protege o comprador de possíveis danos físicos ao imóvel, além de dar acesso a central de atendimento exclusivo da Wiz Soluções para intermediar relacionamento entre construtor e comprador.

Seguro RCPM: Para qual tipo de imóvel é exigido?

Seguro RCPM é exigido somente para o Programa Minha Casa Minha Vida, para imóveis novos. Para imóveis usados (já habitados) não é exigido contar com este seguro.

Seguro RCPM: Qual o benefício em contratá-lo?

Num primeiro momento, o construtor ou vendedor que deseja concluir o processo e receber o valor de venda do imóvel em sua conta bancária, acredita que a contratação do Seguro RCPM é apenas mais uma das várias taxas a serem pagas e que reduzem o lucro da venda. Porém, analisando friamente, podemos citar que a contratação realmente disponibiliza algumas vantagens, como:

  • Garante o pagamento de indenizações decorrentes de reclamações do mutuário ou proprietário do imóvel contra o construtor e/ou responsável técnico, relacionadas a eventuais erros de projetos, execução e/ou materiais, por um período de até cinco anos de expedição do habite-se;
  • Protege o mutuário de possíveis danos físicos ao imóvel dentro das condições não cobertas pelo DFI (Danos Físicos ao Imóvel), no prazo legal de responsabilidade do construtor.

O Seguro RCPM está sendo operacionalizado para os contratos assinados na CAIXA, obrigatoriamente no Programa Minha Casa Minha Vida, nas modalidades de Aquisição de Imóvel Novo e Alocação de Recursos.

A grande vantagem do seguro, sendo o segurado o Responsável Técnico pela Obra, é que nos casos em que haja recusa ou falta de interesse pelo construtor em corrigir os danos, o beneficiário pode acionar o Seguro RCPM para pagamento dos gastos com os danos, por um período de 5 anos a contar da data de emissão do documento Habite-se.

Seguro RCPM: Quem paga é o comprador?

No caso de venda de imóveis, é obrigação do vendedor (construtor / responsável anterior pelo imóvel) realizar a contratação e o pagamento do seguro. Em outras palavras, salvo em acordo entre comprador e vendedor, é sempre uma obrigação do vendedor. Concluímos, portanto, que o segurado neste caso será o construtor ou responsável técnico ou vendedor do imóvel.

Seguro RCPM: Qual a vigência do seguro?

A vigência do seguro é definida da seguinte forma:

  • Habite-se emitido em até 180 dias: O seguro tem validade de 5 anos a partir da data de contratação.
  • Habite-se emitido em período superior a 180 dias: O seguro tem validade de 5 anos a partir da data do habite-se.

Em ambos os casos a data de início da vigência apresentada na apólice será a data de contratação do seguro, porém a data de termino se dará de acordo com a contagem dos 5 anos apresentada acima.

Seguro RCPM: Calculadora RCPM – Quanto pagarei?

Veja neste simulador o valor do Seguro RCPM para um imóvel vendido pelo valor de R$ 170.000,00 pelo programa Minha Casa Minha Vida. Note que o valor total do Seguro RCPM seria de R$ 365,09.

Exemplo de cálculo valor seguro RCPM

Quer simular o seu cenário? Você pode baixar a planilha de cálculo RCPM e realizar a sua simulação. Realize o download da Calculadora RCPM clicando aqui!

Leia também:

Seguro RCPM: Caixa Econômica Federal

Vejamos abaixo o detalhamento obtido através do site da Caixa:

Na CAIXA, o valor da importância segurada é de 20% do valor da avaliação do imóvel, com franquia de R$ 1.000,00 dedutível do valor da indenização.

O vendedor, responsável pelo pagamento, irá pagar prêmio entre 1% e 2% da importância segurada, acrescido da alíquota de 7,38%, referente ao IOF (a depender da cotação realizada pelo vendedor).

Para contratar o vendedor deve acessar o site ou por meio do telefone 4020-5845, escolher a seguradora, fazer seu cadastro, preencher o formulário com os dados dos vendedores/imóvel/responsável técnico e solicitar a cotação. Após a escolha da seguradora, imprimir o boleto ou pagar via cartão de crédito.

Quando houver sinistro, o segurado ou cossegurado deverão efetuar o aviso de sinistro a seguradora, por e-mail ou telefone, conforme previsão da apólice de seguro.

Seguro RCPM: Banco do Brasil

Vejamos abaixo o detalhamento obtido através do site do Banco do Brasil:

O Banco do Brasil passou à exigir dos vendedores, desde a data de 22/08/2016, apólice válida do Seguro RCPM, para contratação de operações com imóveis novos – modalidade Avulsa – dentro do Programa Minha Casa Minha Vida.

A apólice deverá possuir as seguintes especificações:

  • Vigência de 5 (cinco) anos a partir da contratação do seguro;
  • Retroatividade do seguro igual à data da obra da unidade habitacional, limitado ao período máximo de 3 (três) anos;
  • Coberturas mínimas de ressarcimentos por:
    > Dano decorrente da falha na prestação dos serviços profissionais;
    > Notificações;
    > Acordo Extrajudicial ou Judicial;
    > Condenação Judicial e Custos Emergenciais em face dos impactos do sinistro, com base nos prazos de Garantia Contratual recomendado pela ABNT NBR 15575 vigente a partir de 19/07/2013.

Seguro RCPM: Como posso contratar?

Em rápida busca, visualizamos apenas duas empresas que ofertam este seguro:

Nós do Informaremos sugerimos contatar um despachante da Caixa, que saberá melhor instruir na contratação deste seguro, em caso de dúvidas do contratante. No caso do blog Viver de Construção citado no início da matéria, o seguro foi realizado pela corretora Argo.

Gostou da nossa postagem? Não deixe de salvar nosso site nos favoritos e compartilhar nas redes sociais e com os amigos!

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