Letter from the DAJ: Ten-year damage insurance covers repairs of defects not repaired by the contractor after handover, despite formal notice, during the perfect completion guarantee period
The “Direction des Affaires Juridiques” (DAJ) has published a letter clarifying the coverage of ten-year damage insurance. According to the letter, ten-year damage insurance covers the repairs of significant defects that are not repaired by the contractor after the handover, despite a formal notice, during the perfect completion guarantee period.
The perfect completion guarantee is a one-year period following the handover during which the contractor is responsible for repairing any defects that affect the habitability or solidity of the building. If the contractor fails to repair the defects within this period, the owner can claim compensation from the ten-year damage insurance policy.
The DAJ’s letter clarifies that the ten-year damage insurance policy also covers defects that are not repaired by the contractor during the perfect completion guarantee period, even if the contractor has not been formally notified of the defects. This is the case, for example, if the defects are discovered after the expiration of the perfect completion guarantee period.
The DAJ’s letter is an important clarification of the coverage of ten-year damage insurance. It provides additional protection to owners who are faced with significant defects that are not repaired by the contractor.
What is ten-year damage insurance?
Ten-year damage insurance is a mandatory insurance policy that covers the repairs of significant defects that affect the habitability or solidity of a building. The policy is valid for ten years from the date of handover.
What types of defects are covered by ten-year damage insurance?
Ten-year damage insurance covers defects that affect the habitability or solidity of a building. This includes defects such as:
- Structural defects
- Water damage
- Fire damage
- Electrical defects
- Mechanical defects
How to make a claim under a ten-year damage insurance policy?
To make a claim under a ten-year damage insurance policy, you must first notify the insurer of the defect. The insurer will then investigate the claim and determine whether it is covered by the policy. If the claim is covered, the insurer will pay for the repairs.
What are the benefits of ten-year damage insurance?
Ten-year damage insurance provides a number of benefits, including:
- Peace of mind knowing that you are covered if significant defects are discovered in your building
- Protection against financial loss if you have to pay for repairs yourself
- Help to ensure that your building is safe and habitable
Lettre de la DAJ – L’assurance dommages ouvrage couvre les réparations de désordres de gravité décennale non repris par l’entrepreneur après réception, malgré une mise en demeure, pendant le délai de garantie de parfait achèvement
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