When you enter Great renovation workTHE safety and the protection Your investment is essential. This is where theWorking damage damageA Essential guarantee for individuals wishing to undertake important renovations. In this article, we will explore in detail what is the damage to the damage of work, the guarantees that offers you, like Sign upand how it works in case of left. Find out everything you need to know for Protect your renovation projects.
Define the damage to work for people
Definition and legal framework
Damage insurance (doing) is an essential guarantee and mandatory for any customerwhich is particular or professionalwho engages Construction or renewal works. In France, this obligation is governed by Spinetta law of 4 January 1978. This law requires the contractual authorities to eliminate this insurance before the start of work. This legislation was implemented to protect the owners’ interests. But also to ensure rapid repair of damage that can affect the solidity of the structure or make it unsuitable for its destination.
The objective of damage to work damage
One of Main objectives of damage to work damage For individuals it isEnsure rapid coverage of the poor processing. In case of serious defects noted after receiving the work, this insurance allows Prefinance the necessary repairs Without waiting for the resolution of legal disputes. This guarantees that repairs are quickly carried out, thus reducing the inconvenience for the owners to a minimum.
Lock Bade Assurance also offers a significant financial protection for the owners. In case of complaint, repair costs can be considerable. Without this insurance, the owners could find themselves supporting these repairs financially. Ensuring the management of costs related to poor processing, The insurance protects the owners against the financial consequences of the construction defects. This allows you to guarantee their real estate investments and maintain the value of their property. Furthermore, in the event of a resale of property, the presence of insurance works on damages can reassure potential buyers and facilitate the transaction.
The guarantees offered by insurance damage
Types of covered damage
Faults and defects that influence the solidity of the work
This insurance supports the necessary repairs in case of poor processing or construction defects that compromise the solidity of the structure.
Non -compliance that compromise the destination of the structure
It also covers construction defects that make work unsuitable for its destination. This includes serious sealing problems, hydraulic systems or thermal insulating, which can make an uninhabitable or non -functional building.
Ensure exclusions
However, The damage insurance works do not cover all types of damage. He is
important for Know the exclusions To fully understand the limits of this insurance.
Damage not connected to the construction
THE Damage caused by external events The construction itself, such as fires, floods or natural catastrophes, is not covered by damage to work. These events requireOther types of insurance, such as Multi -risk house insurance.
Insufficient maintenance or normal wear
Damage to work damage for people does not support damage deriving from insufficient maintenance or a normal wear of materials and equipment.
Subscription of the insurance work for damage
To enroll in the damage to work, the first step AND Choose a specialized insurer in this area. It is recommended to Compare several insurers Taking into account their reputation, customer opinions and guarantees offered. You can use Independent comparators on a certain site as a green opinion, to have Access to different offers at the same time.
The subscription of the insurance work on damages requires the Presentation of various essential documents to the insurer to evaluate the risk. These documents include several key elements. First of all, the detailed plans and the quotes of the work allow the insurer to understand the extent and nature of the renovated works envisaged. Therefore, the contracts signed with the construction companies are necessary to verify the commitments undertaken and the responsibilities of the various stakeholders.
THE Professional civil liability insurance certificates for entrepreneurs They must also be provided to ensure that the companies committed are adequately provided with respect to the damage they could cause to third parties. Finally, technical relationships, such as soil studies or real estate diagnostics, if available, offer an overview of the existing conditions and potential risks relating to the project. Together, these documents allow the insurer to precisely evaluate the risks and determine the conditions of the coverage.
Operation of the insurance on damage in the event of a complaint
Statements
In case of accident, the first step For the customer he must Declare damage to its insurer. The declaration of the complaint must be made by Letter recorded with recognition of the receipt. It is essential to provide a detailed description of the observed damage, accompanied by photos, if possible, as well as any information relevant to the circumstances of the disaster and the work in question. It is also advisable to maintain all documents relating to work and known damages to facilitate the processing of the request.
To declare a request to the insurer, the The delay is generally five working days From the discovery of damage. Respect for this period is essential to guarantee rapid and efficient management by the insurer. In case of non -compliance with this period, the insurer can refuse repairs.
Once the statement has been declared, The insurer sends an expert To evaluate the extent of the damage. This expert is responsible for determining the cause of the disorders, the estimate of the necessary repairs and control if the damage is actually the ten -year guarantee. The expert writes a detailed report that acts as a basis for the compensation offer.
Compensation for damage
The insurer has a file Maximum period of 60 days to present a compensation offer After receipt of the complaint. If an urgent security work are needed, they can be undertaken immediately after the declaration, with the previous agreement of the insurer.
THE Reimbursement terms It may vary:
- Direct payment to construction companies : The insurer can adjust the
Companies responsible for repairs, thus avoiding the contracting authority to advance the funds. - Compensation for the customer : The insurer can also pay compensation to the Master
of work to organize the repair work itself.
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