{"id":64566,"date":"2026-01-21T11:50:57","date_gmt":"2026-01-21T10:50:57","guid":{"rendered":"https:\/\/tunimedia.tn\/ar\/?p=64566"},"modified":"2026-01-21T11:51:54","modified_gmt":"2026-01-21T10:51:54","slug":"%d8%aa%d8%b9%d9%88%d9%8a%d8%b6-%d8%a3%d8%b6%d8%b1%d8%a7%d8%b1-%d8%a7%d9%84%d9%81%d9%8a%d8%b6%d8%a7%d9%86%d8%a7%d8%aa-%d9%81%d9%8a-%d8%aa%d9%88%d9%86%d8%b3-%d8%af%d9%84%d9%8a%d9%84-%d9%83%d8%a7%d9%85","status":"publish","type":"post","link":"https:\/\/tunimedia.tn\/ar\/%d8%aa%d8%b9%d9%88%d9%8a%d8%b6-%d8%a3%d8%b6%d8%b1%d8%a7%d8%b1-%d8%a7%d9%84%d9%81%d9%8a%d8%b6%d8%a7%d9%86%d8%a7%d8%aa-%d9%81%d9%8a-%d8%aa%d9%88%d9%86%d8%b3-%d8%af%d9%84%d9%8a%d9%84-%d9%83%d8%a7%d9%85\/","title":{"rendered":"\u062a\u0639\u0648\u064a\u0636 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633: \u062f\u0644\u064a\u0644 \u0643\u0627\u0645\u0644 \u0644\u0644\u0645\u0648\u0627\u0637\u0646"},"content":{"rendered":"


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\n\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633: \u0634\u0646\u0648 \u064a\u063a\u0637\u064a \u0648\u0634\u0646\u0648 \u0644\u0627\u061f | \u062a\u0648\u0646\u064a\u0645\u064a\u062f\u064a\u0627<\/title><br \/>\n<meta name=\"title\" content=\"\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633: \u0634\u0646\u0648 \u064a\u063a\u0637\u064a \u0648\u0634\u0646\u0648 \u0644\u0627\u061f\"><br \/>\n<meta name=\"description\" content=\"\u062f\u0644\u064a\u0644 \u0634\u0627\u0645\u0644 \u0644\u0644\u0645\u0648\u0627\u0637\u0646 \u0627\u0644\u062a\u0648\u0646\u0633\u064a \u062d\u0648\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a: \u0627\u0644\u062a\u063a\u0637\u064a\u0627\u062a\u060c \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a\u060c \u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u060c \u0648\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u062d\u0642\u0648\u0642\u0643 \u0628\u0639\u062f \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\"><br \/>\n<meta name=\"keywords\" content=\"\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u062a\u0648\u0646\u0633, \u062a\u0639\u0648\u064a\u0636 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a, \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0644\u0633\u064a\u0627\u0631\u0627\u062a, \u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646, 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h3 {<br \/>\n margin-top: 0;<br \/>\n color: #d32f2f;<br \/>\n }<\/p>\n<p> .useful-links ul {<br \/>\n list-style: none;<br \/>\n padding-right: 0;<br \/>\n }<\/p>\n<p> .useful-links li {<br \/>\n margin-bottom: 10px;<br \/>\n }<\/p>\n<p> .sources {<br \/>\n font-size: 14px;<br \/>\n color: #666;<br \/>\n margin-top: 40px;<br \/>\n padding-top: 20px;<br \/>\n border-top: 1px solid #e0e0e0;<br \/>\n }<\/p>\n<p> .share-buttons {<br \/>\n display: flex;<br \/>\n gap: 10px;<br \/>\n margin: 30px 0;<br \/>\n padding: 20px 0;<br \/>\n border-top: 1px solid #e0e0e0;<br \/>\n border-bottom: 1px solid #e0e0e0;<br \/>\n }<\/p>\n<p> .share-btn {<br \/>\n padding: 10px 20px;<br \/>\n border: none;<br \/>\n border-radius: 4px;<br \/>\n cursor: pointer;<br \/>\n font-size: 14px;<br \/>\n font-weight: 600;<br \/>\n text-decoration: none;<br \/>\n display: inline-block;<br \/>\n }<\/p>\n<p> .share-facebook {<br \/>\n background-color: #3b5998;<br \/>\n color: white;<br \/>\n }<\/p>\n<p> .share-twitter 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href=\"https:\/\/tunimedia.tn\/ar\">\u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/a> \/<br \/>\n<a href=\"https:\/\/tunimedia.tn\/ar\/economie\">\u0627\u0642\u062a\u0635\u0627\u062f<\/a> \/<br \/>\n<span>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633<\/span><br \/>\n<\/nav>\n<\/header>\n<article>\n<h1>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633: \u0634\u0646\u0648 \u064a\u063a\u0637\u064a \u0648\u0634\u0646\u0648 \u0644\u0627\u061f<\/h1>\n<div class=\"article-meta\">\n <span>\ud83d\udcc5 \u0627\u0644\u0623\u0631\u0628\u0639\u0627\u0621 21 \u064a\u0646\u0627\u064a\u0631 2026<\/span><br \/>\n<span>\u23f1\ufe0f \u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629: 9 \u062f\u0642\u0627\u0626\u0642<\/span><br \/>\n<span>\ud83d\udcc2 \u0627\u0642\u062a\u0635\u0627\u062f \/ \u062a\u0623\u0645\u064a\u0646<\/span><\/div>\n<div class=\"share-buttons\">\n <a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/tunimedia.tn\/ar\/assurance-inondations-tunisie\" target=\"_blank\" class=\"share-btn share-facebook\">\u0645\u0634\u0627\u0631\u0643\u0629 \u0639\u0644\u0649 \u0641\u064a\u0633\u0628\u0648\u0643<\/a><br \/>\n<a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/tunimedia.tn\/ar\/assurance-inondations-tunisie&text=\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633\" target=\"_blank\" class=\"share-btn share-twitter\">\u062a\u0648\u064a\u062a\u0631<\/a><br \/>\n<a href=\"https:\/\/wa.me\/?text=\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633 https:\/\/tunimedia.tn\/ar\/assurance-inondations-tunisie\" target=\"_blank\" class=\"share-btn share-whatsapp\">\u0648\u0627\u062a\u0633\u0627\u0628<\/a><\/div>\n<div class=\"lead-paragraph\">\n<p>\u0637\u0631\u0642\u0627\u062a \u0646\u0627\u0628\u0644 \u062a\u062d\u0648\u0651\u0644\u062a \u0644\u0623\u0646\u0647\u0627\u0631\u060c \u0643\u0631\u0627\u0647\u0628 \u063a\u0627\u0631\u0642\u0629 \u0641\u064a \u0648\u0627\u062f\u064a \u0639\u064a\u0646 \u0627\u0644\u0641\u0643\u0631\u0648\u0646 \u0628\u0642\u0631\u0628\u0635\u060c \u0645\u062d\u0644\u0627\u062a \u0641\u064a \u0627\u0644\u0639\u0627\u0635\u0645\u0629 \u062f\u062e\u0644\u062a\u0647\u0627 \u0627\u0644\u0645\u064a\u0627\u0647 \u0648\u062f\u0645\u0651\u0631\u062a \u0627\u0644\u0628\u0636\u0627\u0639\u0629\u060c \u062f\u064a\u0627\u0631 \u0641\u064a \u062c\u0646\u062f\u0648\u0628\u0629 \u062d\u064a\u0637\u0627\u0646\u0647\u0627 \u062a\u0634\u0642\u0651\u0642\u062a \u0648\u0627\u0644\u0623\u062b\u0627\u062b \u062a\u0644\u0641. \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0644\u064a \u0639\u0627\u064a\u0634\u062a\u0648 \u062a\u0648\u0646\u0633 \u0641\u064a \u064a\u0646\u0627\u064a\u0631 2026 \u0645\u0627 \u0643\u0627\u0646\u0634 \u062c\u062f\u064a\u062f\u060c \u0644\u0643\u0646\u0648 \u0643\u0644 \u0645\u0631\u0629 \u064a\u0637\u0631\u062d \u0646\u0641\u0633 \u0627\u0644\u0633\u0624\u0627\u0644: \u0647\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u0639\u0644\u0627\u064b \u064a\u0646\u062c\u0651\u0645 \u064a\u0639\u0648\u0651\u0636 \u0627\u0644\u0645\u062a\u0636\u0631\u0631\u064a\u0646\u061f \u0648\u0644\u0627\u0651 \u062b\u0645\u0651\u0629 \u062a\u0641\u0627\u0635\u064a\u0644 \u0645\u062e\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0639\u0642\u0648\u062f \u062a\u062e\u0644\u0651\u064a \u0627\u0644\u0645\u0648\u0627\u0637\u0646 \u064a\u0644\u0642\u0649 \u0631\u0648\u062d\u0648 \u0648\u062d\u062f\u0648 \u0642\u062f\u0627\u0645 \u0627\u0644\u062e\u0633\u0627\u0626\u0631\u061f<\/p>\n<p>\u0641\u064a \u0648\u0642\u062a \u0627\u0644\u0644\u064a \u0641\u064a\u0647 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062d\u0643\u064a \u0639\u0644\u0649 \u0634\u0631\u0648\u0637 \u0648\u0636\u0648\u0627\u0628\u0637\u060c \u0648\u0627\u0644\u0645\u0648\u0627\u0637\u0646 \u064a\u062a\u0641\u0627\u062c\u0623 \u0623\u0646\u0648 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u062f\u064a \u0645\u0627 \u064a\u063a\u0637\u064a\u0634 \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c \u0646\u062d\u0627\u0648\u0644\u0648 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u062a\u062d\u0642\u064a\u0642 \u0646\u0641\u0647\u0645\u0648 \u0628\u0627\u0644\u0636\u0628\u0637: \u0634\u0646\u0648 \u0627\u0644\u0644\u064a \u064a\u0646\u062c\u0651\u0645 \u064a\u062a\u063a\u0637\u0651\u0649\u060c \u0648\u0634\u0646\u0648 \u0627\u0644\u0644\u064a \u0645\u0627 \u064a\u0646\u062c\u0651\u0645\u0634\u060c \u0648\u0643\u064a\u0641\u0627\u0634 \u0627\u0644\u0645\u0648\u0627\u0637\u0646 \u0627\u0644\u062a\u0648\u0646\u0633\u064a \u064a\u062d\u0645\u064a \u0631\u0648\u062d\u0648 \u0648\u064a\u0637\u0627\u0644\u0628 \u0628\u062d\u0642\u0648\u0642\u0648.<\/p>\n<\/div>\n<div class=\"featured-snippet\">\n<h2>\u0645\u0627 \u0645\u0639\u0646\u0649 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a\u061f<\/h2>\n<p>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0647\u0648 \u062a\u063a\u0637\u064a\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 \u0641\u064a \u0639\u0642\u0648\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633\u060c \u062a\u064f\u0639\u0648\u0651\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u0646\u0627\u062c\u0645\u0629 \u0639\u0646 \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0643\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0633\u064a\u0648\u0644. \u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0644\u064a\u0633\u062a \u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0641\u064a \u0645\u0639\u0638\u0645 \u0627\u0644\u0639\u0642\u0648\u062f\u060c \u0628\u0644 \u062a\u062a\u0637\u0644\u0628 \u0628\u0646\u062f\u0627\u064b \u0635\u0631\u064a\u062d\u0627\u064b \u0623\u0648 \u0627\u062e\u062a\u064a\u0627\u0631 \u0646\u0638\u0627\u0645 “\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u062e\u0627\u0637\u0631”. \u0641\u0647\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0648\u0627\u0644\u0634\u0631\u0648\u0637 \u0623\u0633\u0627\u0633\u064a \u0644\u062a\u062c\u0646\u0628 \u0627\u0644\u0635\u062f\u0645\u0629 \u0639\u0646\u062f \u0631\u0641\u0636 \u0627\u0644\u062a\u0639\u0648\u064a\u0636.<\/p>\n<\/div>\n<h2>\u0634\u0646\u0648 \u064a\u0646\u062c\u0645 \u064a\u063a\u0637\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a\u061f<\/h2>\n<h3>\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0646\u0632\u0644 \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a<\/h3>\n<p>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0643\u0646 \u0627\u0644\u0644\u064a \u0641\u064a\u0647 \u0628\u0646\u062f <a href=\"https:\/\/www.ftusanet.org\/ar\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629<\/a> \u064a\u0646\u062c\u0651\u0645 \u064a\u063a\u0637\u064a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0644\u064a \u062a\u0635\u064a\u0628 \u0627\u0644\u0628\u0646\u0627\u064a\u0629: \u0627\u0644\u062c\u062f\u0631\u0627\u0646 \u0627\u0644\u0645\u062a\u0634\u0642\u0642\u0629\u060c \u0627\u0644\u0623\u0628\u0648\u0627\u0628 \u0648\u0627\u0644\u0646\u0648\u0627\u0641\u0630 \u0627\u0644\u0645\u0643\u0633\u0648\u0631\u0629\u060c \u0627\u0644\u0623\u0631\u0636\u064a\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u0641\u0629\u060c \u0627\u0644\u0633\u0642\u0648\u0641 \u0627\u0644\u0645\u062a\u0636\u0631\u0631\u0629. \u0644\u0643\u0646 \u0647\u0630\u0627 \u064a\u0643\u0648\u0646 \u062d\u0633\u0628 \u0627\u0644\u0639\u0642\u062f \u0648\u0627\u0644\u0633\u0642\u0641 \u0627\u0644\u0645\u062d\u062f\u062f \u0644\u0644\u062a\u0639\u0648\u064a\u0636.<\/p>\n<h3>\u0627\u0644\u0623\u062b\u0627\u062b \u0648\u0627\u0644\u062a\u062c\u0647\u064a\u0632\u0627\u062a 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\u062c\u062f\u0648\u0644 \u0645\u0641\u0635\u0651\u0644 \u0628\u0643\u0644 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u062a\u0636\u0631\u0631\u0629\u060c \u0645\u0639 \u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0627\u0644\u0642\u064a\u0645\u0629\u060c \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0634\u0631\u0627\u0621\u060c \u0648\u0627\u0644\u062d\u0627\u0644\u0629 \u0642\u0628\u0644 \u0627\u0644\u062d\u0627\u062f\u062b. \u0643\u0648\u0646 \u062f\u0642\u064a\u0642 \u0648\u0645\u0646\u0637\u0642\u064a \u0641\u064a \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u0627\u062a.<\/li>\n<li><strong>\u062c\u0645\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u0627\u0644\u0625\u062b\u0628\u0627\u062a\u0627\u062a:<\/strong> \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0623\u0635\u0644\u064a\u0629\u060c \u0627\u0644\u0643\u0641\u0627\u0644\u0627\u062a\u060c \u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0645\u0644\u0643\u064a\u0629\u060c \u0623\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u062b\u0628\u062a \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0643\u0627\u0646\u062a \u0645\u0648\u062c\u0648\u062f\u0629 \u0648\u0642\u064a\u0645\u062a\u0647\u0627. \u0625\u0630\u0627 \u0645\u0627 \u0639\u0646\u062f\u0643\u0634 \u0641\u0648\u0627\u062a\u064a\u0631\u060c \u062d\u0627\u0648\u0644 \u062a\u062c\u064a\u0628 \u0623\u064a \u0625\u062b\u0628\u0627\u062a \u0622\u062e\u0631.<\/li>\n<li><strong>\u0627\u0644\u062a\u0635\u0631\u064a\u062d \u0627\u0644\u0645\u0643\u062a\u0648\u0628:<\/strong> \u0623\u0631\u0633\u0644 \u062a\u0635\u0631\u064a\u062d \u0631\u0633\u0645\u064a \u0645\u0643\u062a\u0648\u0628 \u0628\u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0645\u0636\u0645\u0648\u0646 \u0645\u0639 \u0627\u0644\u0625\u0639\u0644\u0627\u0645 \u0628\u0627\u0644\u0628\u0644\u0648\u063a\u060c \u0623\u0648 \u0633\u0644\u0651\u0645\u0648 \u0628\u0627\u0644\u064a\u062f \u0641\u064a \u0645\u0643\u062a\u0628 \u0627\u0644\u0634\u0631\u0643\u0629 \u0645\u0642\u0627\u0628\u0644 \u0648\u0635\u0644. \u0628\u0639\u0636 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062a\u0648\u0641\u0631 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0644\u062a\u0635\u0631\u064a\u062d.<\/li>\n<li><strong>\u0627\u0633\u062a\u0642\u0628\u0627\u0644 \u0627\u0644\u062e\u0628\u064a\u0631 \u0648\u0627\u0644\u0645\u062a\u0627\u0628\u0639\u0629:<\/strong> \u0627\u0646\u062a\u0638\u0631 \u0632\u064a\u0627\u0631\u0629 \u062e\u0628\u064a\u0631 \u0627\u0644\u0634\u0631\u0643\u0629\u060c \u0643\u0648\u0646 \u062d\u0627\u0636\u0631 \u0648\u0642\u062a \u0627\u0644\u0645\u0639\u0627\u064a\u0646\u0629\u060c \u0648\u0642\u062f\u0651\u0645 \u0644\u0648 \u0643\u0644 \u0627\u0644\u0648\u062b\u0627\u0626\u0642. \u0628\u0639\u062f \u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u062e\u0628\u064a\u0631\u060c \u062a\u0627\u0628\u0639 \u0645\u0639 \u0627\u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0627\u0644\u0628 \u0628\u0646\u0633\u062e\u0629 \u0645\u0646 \u0627\u0644\u062a\u0642\u0631\u064a\u0631. \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u064a\u062c\u0628 \u0623\u0646 \u064a\u064f\u062f\u0641\u0639 \u0641\u064a \u0623\u062c\u0644 \u0623\u0642\u0635\u0627\u0647 30 \u064a\u0648\u0645\u0627\u064b \u0645\u0646 \u0625\u0645\u0636\u0627\u0621 \u0645\u062d\u0636\u0631 \u0627\u0644\u0635\u0644\u062d.<\/li>\n<\/ol>\n<h2>\u0633\u064a\u0646\u0627\u0631\u064a\u0648\u0647\u0627\u062a \u0648\u0627\u0642\u0639\u064a\u0629 \u0645\u0646 \u062a\u0648\u0646\u0633<\/h2>\n<div class=\"scenario-box\">\n<h4>\u0633\u064a\u0646\u0627\u0631\u064a\u0648 1: \u062f\u0627\u0631 \u0641\u064a \u0646\u0627\u0628\u0644 \u062f\u062e\u0644\u062a\u0647\u0627 \u0627\u0644\u0645\u064a\u0627\u0647<\/h4>\n<p>\u0639\u0627\u0626\u0644\u0629 \u0641\u064a \u0642\u0631\u0628\u0635 \u062f\u062e\u0644 \u0644\u064a\u0647\u0645 \u0627\u0644\u0645\u0627\u0621 \u0644\u0644\u062f\u0627\u0631 \u0628\u0639\u062f \u0641\u064a\u0636\u0627\u0646\u0627\u062a \u064a\u0646\u0627\u064a\u0631 2026. \u0627\u0644\u062d\u064a\u0637\u0627\u0646 \u062a\u0634\u0642\u0642\u062a\u060c \u0627\u0644\u0623\u062b\u0627\u062b \u062a\u0644\u0641\u060c \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0626\u064a\u0629 \u062e\u0631\u0628\u062a. \u0644\u062d\u0633\u0646 \u0627\u0644\u062d\u0638\u060c \u0643\u0627\u0646 \u0639\u0646\u062f\u0647\u0645 \u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0643\u0646 \u0645\u0639 \u0628\u0646\u062f \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629. \u0635\u0648\u0651\u0631\u0648 \u0643\u0644 \u0634\u064a\u0621 \u0642\u0628\u0644 \u0645\u0627 \u064a\u0646\u0638\u0651\u0641\u0648\u060c \u062c\u0645\u0639\u0648 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631\u060c \u0648\u0635\u0631\u0651\u062d\u0648 \u0641\u0648\u0631\u0627\u064b. \u0627\u0644\u062e\u0628\u064a\u0631 \u0632\u0627\u0631\u0647\u0645\u060c \u0648\u0628\u0639\u062f 3 \u0623\u0634\u0647\u0631\u060c \u062a\u062d\u0635\u0651\u0644\u0648 \u0639\u0644\u0649 \u062a\u0639\u0648\u064a\u0636 \u064a\u063a\u0637\u064a 80% \u0645\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0628\u0639\u062f \u062e\u0635\u0645 \u0627\u0644\u0641\u0631\u0627\u0646\u0634\u064a\u0632.<\/p>\n<\/div>\n<div class=\"scenario-box\">\n<h4>\u0633\u064a\u0646\u0627\u0631\u064a\u0648 2: \u0643\u0631\u0647\u0628\u0629 \u063a\u0631\u0642\u062a \u0641\u064a \u062a\u062c\u0645\u0639 \u0645\u064a\u0627\u0647 \u0628\u0627\u0644\u0639\u0627\u0635\u0645\u0629<\/h4>\n<p>\u0634\u0627\u0628 \u0645\u0646 \u062a\u0648\u0646\u0633 \u0627\u0644\u0639\u0627\u0635\u0645\u0629 \u062e\u0644\u0651\u0649 \u0643\u0631\u0647\u0628\u062a\u0648 \u0641\u064a \u0645\u0643\u0627\u0646 \u0645\u0646\u062e\u0641\u0636 \u0648\u0642\u062a \u0627\u0644\u0623\u0645\u0637\u0627\u0631 \u0627\u0644\u063a\u0632\u064a\u0631\u0629\u060c \u0648\u0627\u0644\u0645\u064a\u0627\u0647 \u063a\u0645\u0631\u062a\u0647\u0627 \u0643\u0627\u0645\u0644\u0629. \u0644\u0645\u0627 \u0627\u062a\u0635\u0644 \u0628\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0644\u0642\u0649 \u0631\u0648\u062d\u0648 \u0623\u0645\u0627\u0645 \u0635\u062f\u0645\u0629: \u0639\u0646\u062f\u0648 \u062a\u0623\u0645\u064a\u0646 \u0639\u0627\u062f\u064a (\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0645\u062f\u0646\u064a\u0629)\u060c \u0648\u0647\u0630\u0627 \u0645\u0627 \u064a\u063a\u0637\u064a\u0634 \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629. \u0643\u0627\u0646 \u0644\u0627\u0632\u0645\u0648 \u0646\u0638\u0627\u0645 Tous Risques \u0623\u0648 \u0628\u0646\u062f Force de la Nature. \u062e\u0633\u0631 \u0642\u064a\u0645\u0629 \u0627\u0644\u0625\u0635\u0644\u0627\u062d\u0627\u062a \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u062c\u064a\u0628\u0648.<\/p>\n<\/div>\n<div class=\"scenario-box\">\n<h4>\u0633\u064a\u0646\u0627\u0631\u064a\u0648 3: \u0645\u062d\u0644 \u062a\u062c\u0627\u0631\u064a \u062a\u0644\u0641\u062a \u0628\u0636\u0627\u0639\u062a\u0647<\/h4>\n<p>\u0635\u0627\u062d\u0628 \u0645\u062d\u0644 \u0645\u0644\u0627\u0628\u0633 \u0641\u064a \u0633\u0648\u0633\u0629 \u062f\u062e\u0644\u062a \u0627\u0644\u0645\u064a\u0627\u0647 \u0644\u0645\u062d\u0644\u0648 \u0645\u0646 \u062a\u0633\u0631\u0628 \u0641\u064a \u0627\u0644\u0633\u0642\u0641 \u0648\u0642\u062a \u0627\u0644\u0639\u0648\u0627\u0635\u0641. \u0627\u0644\u0628\u0636\u0627\u0639\u0629 \u0643\u0644\u0647\u0627 \u062a\u0644\u0641\u062a\u060c \u0648\u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0643\u0628\u064a\u0631\u0629. \u0644\u0643\u0646 \u0644\u0645\u0627 \u0631\u0627\u062c\u0639 \u0639\u0642\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0644\u0642\u0649 \u0623\u0646 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u062a\u0634\u0645\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u0642\u0637\u060c \u0645\u0634 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0623\u0648 \u062a\u0633\u0631\u0628 \u0627\u0644\u0645\u064a\u0627\u0647. \u0645\u0627 \u062a\u062d\u0635\u0651\u0644\u0634 \u0639\u0644\u0649 \u0642\u0631\u0634 \u0648\u0627\u062d\u062f\u060c \u0648\u0643\u0627\u0646\u062a \u062f\u0631\u0633 \u0642\u0627\u0633\u064a \u0641\u064a \u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0639\u0642\u0648\u062f.<\/p>\n<\/div>\n<div class=\"scenario-box\">\n<h4>\u0633\u064a\u0646\u0627\u0631\u064a\u0648 4: \u0634\u062e\u0635 \u0638\u0646 \u0623\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0643\u0627\u0641\u064a<\/h4>\n<p>\u0645\u0648\u0627\u0637\u0646 \u0641\u064a \u0635\u0641\u0627\u0642\u0633 \u0643\u0627\u0646 \u0639\u0646\u062f\u0648 \u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0643\u0646. \u0644\u0645\u0627 \u062c\u0627\u062a \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u062f\u062e\u0644\u062a \u0627\u0644\u0645\u064a\u0627\u0647 \u0644\u0644\u062f\u0627\u0631\u060c \u0627\u062a\u0635\u0644 \u0628\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u062a\u0623\u0643\u062f \u0623\u0646\u0647\u0645 \u0628\u0627\u0634 \u064a\u0639\u0648\u0651\u0636\u0648\u0647. \u0627\u0644\u0635\u062f\u0645\u0629 \u0643\u0627\u0646\u062a \u0643\u0628\u064a\u0631\u0629 \u0644\u0645\u0627 \u0639\u0631\u0641 \u0623\u0646 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u0627 \u064a\u063a\u0637\u064a\u0634 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a. \u0643\u0627\u0646 \u0644\u0627\u0632\u0645\u0648 \u062a\u0623\u0645\u064a\u0646 \u0645\u062a\u0639\u062f\u062f \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0623\u0648 \u0628\u0646\u062f \u0625\u0636\u0627\u0641\u064a \u062e\u0627\u0635.<\/p>\n<\/div>\n<div class=\"analysis-box\">\n<h2>\u062a\u062d\u0644\u064a\u0644 \u062a\u0648\u0646\u064a\u0645\u064a\u062f\u064a\u0627<\/h2>\n<h3>\u0623\u062e\u0637\u0627\u0621 \u0634\u0627\u0626\u0639\u0629 \u064a\u0642\u0639 \u0641\u064a\u0647\u0627 \u0627\u0644\u0645\u0648\u0627\u0637\u0646 \u0627\u0644\u062a\u0648\u0646\u0633\u064a<\/h3>\n<p>\u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u062a\u0628\u064a\u0646 \u0623\u0646 \u0623\u063a\u0644\u0628 \u0627\u0644\u0645\u0648\u0627\u0637\u0646\u064a\u0646 \u0641\u064a \u062a\u0648\u0646\u0633 \u0645\u0627 \u064a\u0642\u0631\u0627\u0648\u0634 \u0639\u0642\u0648\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u062f\u0642\u0629\u060c \u0648\u064a\u0643\u062a\u0634\u0641\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0648\u0642\u062a \u0645\u062a\u0623\u062e\u0631. \u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u0623\u0643\u0628\u0631 \u0647\u0648 \u0627\u0644\u0627\u0639\u062a\u0642\u0627\u062f \u0623\u0646 \u0623\u064a \u062a\u0623\u0645\u064a\u0646 \u064a\u0639\u0646\u064a \u062a\u063a\u0637\u064a\u0629 \u0634\u0627\u0645\u0644\u0629\u060c \u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u062f\u0642\u064a\u0642\u0629 \u0645\u0648\u062c\u0648\u062f\u0629 \u0641\u064a \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u0644\u064a \u0639\u0627\u062f\u0629 \u0645\u0643\u062a\u0648\u0628\u0629 \u0628\u062e\u0637 \u0635\u063a\u064a\u0631 \u0648\u0644\u063a\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0645\u0639\u0642\u062f\u0629.<\/p>\n<h3>\u0627\u0644\u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u062b\u0642\u0629 \u0648\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629<\/h3>\n<p>\u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u0645\u0648\u0627\u0637\u0646 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062a\u0648\u0646\u0633 \u0641\u064a\u0647\u0627 \u0623\u0632\u0645\u0629 \u062b\u0642\u0629. \u0627\u0644\u0646\u0627\u0633 \u062a\u062d\u0633 \u0623\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062a\u0633\u062a\u0639\u0645\u0644 \u0627\u0644\u062b\u063a\u0631\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0628\u0627\u0634 \u062a\u062a\u0646\u0635\u0644 \u0645\u0646 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a\u060c \u062d\u062a\u0649 \u0644\u0648 \u062f\u0641\u0639\u0648 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0646\u062a\u0638\u0627\u0645 \u0644\u0633\u0646\u0648\u0627\u062a. \u0647\u0630\u0627 \u064a\u062e\u0644\u0642 \u0625\u062d\u0628\u0627\u0637 \u0648\u064a\u0636\u0639\u0641 \u062b\u0642\u0627\u0641\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0645\u062c\u062a\u0645\u0639.<\/p>\n<h3>\u0646\u0635\u064a\u062d\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u0645\u0648\u0627\u0637\u0646 \u0627\u0644\u062a\u0648\u0646\u0633\u064a<\/h3>\n<p>\u0642\u0628\u0644 \u0645\u0627 \u062a\u0645\u0636\u064a \u0639\u0644\u0649 \u0623\u064a \u0639\u0642\u062f \u062a\u0623\u0645\u064a\u0646\u060c \u0627\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0645\u0646\u062f\u0648\u0628 \u062a\u0648\u0636\u064a\u062d \u0645\u0643\u062a\u0648\u0628 \u0628\u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0633\u064a\u0637\u0629 \u0644\u0643\u0644 \u0645\u0627 \u064a\u0644\u064a:<\/p>\n<ul>\n<li>\u0647\u0644 \u064a\u063a\u0637\u064a \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 (\u0641\u064a\u0636\u0627\u0646\u0627\u062a\u060c \u0632\u0644\u0627\u0632\u0644\u060c \u0639\u0648\u0627\u0635\u0641)\u061f<\/li>\n<li>\u0634\u062d\u0627\u0644 \u0627\u0644\u0641\u0631\u0627\u0646\u0634\u064a\u0632 \u0648\u0627\u0644\u0633\u0642\u0641 \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0644\u062a\u0639\u0648\u064a\u0636\u061f<\/li>\n<li>\u0634\u0646\u0648 \u0627\u0644\u0645\u0633\u062a\u062b\u0646\u0649 \u0645\u0646 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0628\u0627\u0644\u0636\u0628\u0637\u061f<\/li>\n<li>\u0643\u064a\u0641\u0627\u0634 \u062a\u062a\u0645 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0627\u0644\u062a\u0639\u0648\u064a\u0636\u061f<\/li>\n<\/ul>\n<p>\u0648\u0627\u062d\u062a\u0641\u0638 \u0628\u0646\u0633\u062e\u0629 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u062a\u0648\u0636\u064a\u062d \u0645\u0639 \u0627\u0644\u0639\u0642\u062f. \u0645\u0627 \u062a\u062e\u0644\u064a\u0634 \u0627\u0644\u062d\u0645\u0627\u0633 \u0623\u0648 \u0627\u0644\u062b\u0642\u0629 \u0627\u0644\u0639\u0645\u064a\u0627\u0621 \u064a\u062e\u0644\u064a\u0643 \u062a\u0648\u0642\u0639 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\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0646\u062a\u0647\u062a\u060c \u0648\u0627\u0644\u0645\u0646\u0638\u0648\u0645\u0629 \u0645\u062a\u0648\u0642\u0639 \u062a\u0643\u0648\u0646 \u062c\u0627\u0647\u0632\u0629 \u0641\u064a 2026. \u0647\u0630\u0627 \u0627\u0644\u062a\u0648\u062c\u0647 \u0625\u064a\u062c\u0627\u0628\u064a\u060c \u0644\u0643\u0646 \u0646\u062c\u0627\u062d\u0648 \u064a\u062a\u0637\u0644\u0628 \u0634\u0641\u0627\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u062a\u0633\u0639\u064a\u0631\u0629 \u0639\u0627\u062f\u0644\u0629 \u0645\u0627 \u062a\u062b\u0642\u0644\u0634 \u0643\u0627\u0647\u0644 \u0627\u0644\u0645\u0648\u0627\u0637\u0646.<\/p>\n<\/div>\n<div class=\"faq-section\">\n<h2>\u0623\u0633\u0626\u0644\u0629 \u0634\u0627\u0626\u0639\u0629<\/h2>\n<div class=\"faq-item\">\n<h4>\u0647\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u062f\u064a \u064a\u063a\u0637\u064a \u0627\u0644\u063a\u0631\u0642\u061f<\/h4>\n<p>\u0644\u0627\u060c \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u062f\u064a \u0644\u0644\u0633\u064a\u0627\u0631\u0627\u062a (\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629) \u0644\u0627 \u064a\u063a\u0637\u064a \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u063a\u0631\u0642 \u0628\u0627\u0644\u0645\u064a\u0627\u0647. \u0644\u0627\u0632\u0645 \u064a\u0643\u0648\u0646 \u0639\u0646\u062f\u0643 \u062a\u0623\u0645\u064a\u0646 Tous Risques \u0623\u0648 \u0628\u0646\u062f \u062e\u0627\u0635 \u0628\u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 Force de la Nature.<\/p>\n<\/div>\n<div class=\"faq-item\">\n<h4>\u0647\u0644 \u064a\u0644\u0632\u0645 \u0645\u062d\u0636\u0631 \u0645\u0646 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629\u061f<\/h4>\n<p>\u0645\u0634 \u0625\u0644\u0632\u0627\u0645\u064a 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\u0628\u0639\u062f \u0625\u0645\u0636\u0627\u0621 \u0645\u062d\u0636\u0631 \u0627\u0644\u0635\u0644\u062d\u060c \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u064a\u062c\u0628 \u0623\u0646 \u064a\u064f\u062f\u0641\u0639 \u0641\u064a \u0623\u062c\u0644 \u0623\u0642\u0635\u0627\u0647 30 \u064a\u0648\u0645\u0627\u064b. \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u064a\u0639\u0631\u0636 \u0627\u0644\u0634\u0631\u0643\u0629 \u0644\u0639\u0642\u0648\u0628\u0627\u062a.<\/p>\n<\/div>\n<div class=\"faq-item\">\n<h4>\u0625\u0630\u0627 \u0645\u0627 \u0639\u0646\u062f\u064a\u0634 \u0641\u0648\u0627\u062a\u064a\u0631 \u0646\u0639\u0645\u0644 \u0634\u0646\u0648\u061f<\/h4>\n<p>\u062d\u0627\u0648\u0644 \u062a\u062c\u064a\u0628 \u0623\u064a \u0625\u062b\u0628\u0627\u062a \u0622\u062e\u0631: \u0635\u0648\u0631 \u0642\u062f\u064a\u0645\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a\u060c \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0646 \u0627\u0644\u062c\u064a\u0631\u0627\u0646\u060c \u0641\u0648\u0627\u062a\u064a\u0631 \u0628\u0637\u0627\u0642\u0629 \u0628\u0646\u0643\u064a\u0629\u060c \u0623\u064a \u062d\u0627\u062c\u0629 \u062a\u062b\u0628\u062a \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0648\u0627\u0644\u0642\u064a\u0645\u0629. \u0644\u0643\u0646 \u063a\u064a\u0627\u0628 \u0627\u0644\u0625\u062b\u0628\u0627\u062a\u0627\u062a \u064a\u0636\u0639\u0641 \u0627\u0644\u0645\u0644\u0641 \u0628\u0632\u0627\u0641.<\/p>\n<\/div>\n<div class=\"faq-item\">\n<h4>\u0647\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0646\u0632\u0644 \u064a\u063a\u0637\u064a \u0627\u0644\u0623\u062c\u0647\u0632\u0629\u061f<\/h4>\n<p>\u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0639\u0642\u062f. \u0628\u0639\u0636 \u0627\u0644\u0639\u0642\u0648\u062f \u062a\u063a\u0637\u064a \u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0645\u0646\u0632\u0644 (\u0623\u062b\u0627\u062b \u0648\u0623\u062c\u0647\u0632\u0629)\u060c \u0648\u0623\u062e\u0631\u0649 \u062a\u063a\u0637\u064a \u0627\u0644\u0628\u0646\u0627\u064a\u0629 \u0641\u0642\u0637. \u0644\u0627\u0632\u0645 \u062a\u0642\u0631\u0627 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062e\u0627\u0635\u0629 \u0623\u0648 \u062a\u0637\u0644\u0628 \u062a\u0648\u0636\u064a\u062d \u0645\u0643\u062a\u0648\u0628.<\/p>\n<\/div>\n<div class=\"faq-item\">\n<h4>\u0647\u0644 \u064a\u0646\u062c\u0645 \u064a\u062a\u0631\u0641\u0636 \u0627\u0644\u0645\u0637\u0644\u0628\u061f<\/h4>\n<p>\u0646\u0639\u0645\u060c \u0625\u0630\u0627 \u062b\u0628\u062a \u0627\u0644\u0625\u0647\u0645\u0627\u0644\u060c \u0623\u0648 \u0627\u0644\u062a\u0635\u0631\u064a\u062d\u0627\u062a \u0627\u0644\u0643\u0627\u0630\u0628\u0629\u060c \u0623\u0648 \u0627\u0644\u0636\u0631\u0631 \u063a\u064a\u0631 \u0645\u0634\u0645\u0648\u0644 \u0628\u0627\u0644\u0639\u0642\u062f\u060c \u0623\u0648 \u0645\u0627 \u0642\u062f\u0645\u062a\u0634 \u0625\u062b\u0628\u0627\u062a\u0627\u062a \u0643\u0627\u0641\u064a\u0629. \u0627\u0644\u0631\u0641\u0636 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0645\u0628\u0631\u0631 \u0648\u0645\u0643\u062a\u0648\u0628.<\/p>\n<\/div>\n<div class=\"faq-item\">\n<h4>\u0643\u064a\u0641\u0627\u0634 \u0646\u0639\u0631\u0641 \u0625\u0630\u0627 \u0639\u0642\u062f\u064a \u0641\u064a\u0647 \u062a\u063a\u0637\u064a\u0629 \u0643\u0648\u0627\u0631\u062b \u0637\u0628\u064a\u0639\u064a\u0629\u061f<\/h4>\n<p>\u0627\u0642\u0631\u0627 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062e\u0627\u0635\u0629 (Conditions Particuli\u00e8res) \u0641\u064a \u0627\u0644\u0639\u0642\u062f\u060c \u0623\u0648 \u0627\u062a\u0635\u0644 \u0628\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0637\u0644\u0628 \u062a\u0648\u0636\u064a\u062d \u0645\u0643\u062a\u0648\u0628. \u062f\u0648\u0631 \u0639\u0644\u0649 \u0639\u0628\u0627\u0631\u0627\u062a \u0645\u062b\u0644 “Force de la Nature” \u0623\u0648 “Catastrophes Naturelles”.<\/p>\n<\/div>\n<\/div>\n<div class=\"conclusion-box\">\n<h2>\u062e\u0627\u062a\u0645\u0629 \u0639\u0645\u0644\u064a\u0629: \u0634\u0646\u0648 \u062a\u0639\u0645\u0644 \u0627\u0644\u064a\u0648\u0645 \u0642\u0628\u0644 \u0627\u0644\u0636\u0631\u0631\u061f<\/h2>\n<p>\u0645\u0627 \u062a\u0633\u062a\u0646\u0627\u0634 \u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u0627\u0644\u0642\u0627\u062f\u0645 \u0628\u0627\u0634 \u062a\u0641\u0643\u0631 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0627\u0644\u064a\u0648\u0645\u060c \u0631\u0627\u062c\u0639 \u0639\u0642\u0648\u062f\u0643\u060c \u0635\u0648\u0631 \u0645\u0645\u062a\u0644\u0643\u0627\u062a\u0643\u060c \u0627\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0641\u064a \u0645\u0643\u0627\u0646 \u0622\u0645\u0646 (\u0648\u0631\u0642\u064a\u0627\u064b \u0648\u0631\u0642\u0645\u064a\u0627\u064b)\u060c \u0648\u062a\u0623\u0643\u062f \u0623\u0646 \u062a\u063a\u0637\u064a\u062a\u0643 \u0643\u0627\u0641\u064a\u0629 \u0648\u062a\u0634\u0645\u0644 \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629.<\/p>\n<p><strong>\u0627\u0644\u0648\u0642\u0627\u064a\u0629 \u0648\u0627\u0644\u0641\u0647\u0645 \u0627\u0644\u0635\u062d\u064a\u062d \u0644\u0644\u0639\u0642\u0648\u062f \u0647\u0645\u0627 \u0623\u062d\u0633\u0646 \u0633\u0644\u0627\u062d.<\/strong> \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062a\u0648\u0646\u0633 \u064a\u0646\u062c\u0645 \u064a\u0643\u0648\u0646 \u0623\u062f\u0627\u0629 \u062d\u0645\u0627\u064a\u0629 \u0641\u0639\u0627\u0644\u0629\u060c \u0644\u0643\u0646 \u0628\u0634\u0631\u0637 \u0623\u0646 \u0627\u0644\u0645\u0648\u0627\u0637\u0646 \u064a\u0641\u0647\u0645 \u062d\u0642\u0648\u0642\u0648 \u0648\u0648\u0627\u062c\u0628\u0627\u062a\u0648\u060c \u0648\u064a\u0642\u0631\u0627 \u0645\u0627 \u0628\u064a\u0646 \u0627\u0644\u0633\u0637\u0648\u0631 \u0642\u0628\u0644 \u0645\u0627 \u064a\u0648\u0642\u0639.<\/p>\n<\/div>\n<div class=\"useful-links\">\n<h3>\u0631\u0648\u0627\u0628\u0637 \u0645\u0641\u064a\u062f\u0629<\/h3>\n<ul>\n<li>\ud83d\udd17 <a href=\"https:\/\/www.finances.gov.tn\" target=\"_blank\" rel=\"noopener\">\u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0646\u0633\u064a\u0629<\/a><\/li>\n<li>\ud83d\udd17 <a href=\"https:\/\/www.ftusanet.org\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u062a\u0648\u0646\u0633\u064a\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/a><\/li>\n<li>\ud83d\udd17 <a href=\"https:\/\/www.ilboursa.com\" target=\"_blank\" rel=\"noopener\">\u0625\u0644\u0628\u0648\u0631\u0635\u0629 – \u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062a\u0648\u0646\u0633<\/a><\/li>\n<li>\ud83d\udd17 <a href=\"https:\/\/9anoun.tn\/kb\/codes\/code-assurances\" target=\"_blank\" rel=\"noopener\">\u0645\u062c\u0644\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0648\u0646\u0633\u064a\u0629<\/a><\/li>\n<\/ul>\n<\/div>\n<div class=\"sources\">\n<p><strong>\u0627\u0644\u0645\u0635\u0627\u062f\u0631:<\/strong> \u062a\u0642\u0627\u0631\u064a\u0631 \u0635\u062d\u0641\u064a\u0629 \u0645\u0646 \u0648\u064a\u0628 \u0645\u0627\u0646\u062c\u0631 \u0633\u0646\u062a\u0631\u060c \u0625\u0644\u0628\u0648\u0631\u0635\u0629\u060c \u0627\u0644\u0635\u0628\u0627\u062d \u0646\u064a\u0648\u0632\u060c \u062a\u0648\u0646\u064a\u0632\u064a \u0646\u064a\u0648\u0645\u064a\u0631\u064a\u0643\u060c \u0627\u0644\u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u062a\u0648\u0646\u0633\u064a\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u0645\u062c\u0644\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0648\u0646\u0633\u064a\u0629. \u062a\u0645 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0645\u062d\u062f\u062b\u0629 \u0644\u0634\u0647\u0631 \u064a\u0646\u0627\u064a\u0631 2026.<\/p>\n<\/div>\n<div class=\"share-buttons\">\n<p><strong>\u0634\u0627\u0631\u0643 \u0627\u0644\u0645\u0642\u0627\u0644:<\/strong><\/p>\n<p><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/tunimedia.tn\/ar\/assurance-inondations-tunisie\" target=\"_blank\" class=\"share-btn share-facebook\">\u0641\u064a\u0633\u0628\u0648\u0643<\/a><br \/>\n<a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/tunimedia.tn\/ar\/assurance-inondations-tunisie&text=\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633\" target=\"_blank\" class=\"share-btn share-twitter\">\u062a\u0648\u064a\u062a\u0631<\/a><br \/>\n<a href=\"https:\/\/wa.me\/?text=\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633 https:\/\/tunimedia.tn\/ar\/assurance-inondations-tunisie\" target=\"_blank\" class=\"share-btn share-whatsapp\">\u0648\u0627\u062a\u0633\u0627\u0628<\/a><\/div>\n<\/article>\n<footer>© 2026 <a href=\"https:\/\/tunimedia.tn\">\u062a\u0648\u0646\u064a\u0645\u064a\u062f\u064a\u0627<\/a> – \u062c\u0645\u064a\u0639 \u0627\u0644\u062d\u0642\u0648\u0642 \u0645\u062d\u0641\u0648\u0638\u0629<\/p>\n<p>\u0644\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0645\u0642\u062a\u0631\u062d\u0627\u062a: <a href=\"mailto:contact@tunimedia.tn\">contact@tunimedia.tn<\/a><\/p>\n<\/footer>\n<\/div>\n<p><\/body><br \/>\n<\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633: \u0634\u0646\u0648 \u064a\u063a\u0637\u064a \u0648\u0634\u0646\u0648 \u0644\u0627\u061f | \u062a\u0648\u0646\u064a\u0645\u064a\u062f\u064a\u0627 \u062a\u0648\u0646\u064a\u0645\u064a\u062f\u064a\u0627 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \/ \u0627\u0642\u062a\u0635\u0627\u062f \/ \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0648\u0646\u0633: \u0634\u0646\u0648 \u064a\u063a\u0637\u064a \u0648\u0634\u0646\u0648 \u0644\u0627\u061f \ud83d\udcc5 \u0627\u0644\u0623\u0631\u0628\u0639\u0627\u0621 21 \u064a\u0646\u0627\u064a\u0631 2026 \u23f1\ufe0f \u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629: 9 \u062f\u0642\u0627\u0626\u0642 \ud83d\udcc2 \u0627\u0642\u062a\u0635\u0627\u062f \/ \u062a\u0623\u0645\u064a\u0646 \u0645\u0634\u0627\u0631\u0643\u0629 \u0639\u0644\u0649 \u0641\u064a\u0633\u0628\u0648\u0643 \u062a\u0648\u064a\u062a\u0631 \u0648\u0627\u062a\u0633\u0627\u0628 \u0637\u0631\u0642\u0627\u062a \u0646\u0627\u0628\u0644 \u062a\u062d\u0648\u0651\u0644\u062a …<\/p>\n","protected":false},"author":1,"featured_media":64565,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[1535],"yst_prominent_words":[],"class_list":["post-64566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-2","tag-1535"],"jetpack_featured_media_url":"https:\/\/tunimedia.tn\/ar\/wp-content\/uploads\/2026\/01\/file_0000000006e8722fb67c1a43b08c44aa.png","jetpack_shortlink":"https:\/\/wp.me\/paDHaC-gNo","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts\/64566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/comments?post=64566"}],"version-history":[{"count":1,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts\/64566\/revisions"}],"predecessor-version":[{"id":64567,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts\/64566\/revisions\/64567"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/media\/64565"}],"wp:attachment":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/media?parent=64566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/categories?post=64566"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/tags?post=64566"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/yst_prominent_words?post=64566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}