Decennial insurance guides
Everything you should know before taking out decennial insurance for your project, explained step by step.
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01
What is decennial building damage insurance?
Decennial insurance guarantees the repair of, or compensation for, structural damage to a building for ten years. We look at what it covers, how long it lasts, who must take it out and whom it protects.
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02
Which buildings require decennial insurance?
The LOE requires decennial insurance when the main use of the building is residential. We look at when it is mandatory, who is exempt and the cases that raise the most questions.
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03
Decennial insurance for self-promoters
Anyone building their own home is exempt from decennial insurance, but with important caveats. We explain when the exemption no longer applies and why it may be worth taking out the insurance anyway.
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04
How much does decennial insurance cost?
There is no single price: the decennial insurance premium is calculated for each project. We explain what it depends on, what makes it more expensive and how it can be adjusted.
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05
Decennial insurance guarantees: basic, supplementary and optional
In addition to the basic guarantee required by the LOE, a decennial insurance policy can be extended with supplementary and optional covers. We look at what each one protects and what its limits are.
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06
The sum insured in decennial insurance
The sum insured is the maximum amount the insurer will pay over the ten years of cover. Setting it correctly avoids falling short on the day structural damage has to be repaired.
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07
What decennial insurance does not cover
Decennial insurance protects against structural damage, but not against every kind of damage the building may suffer. Knowing its usual exclusions avoids surprises when a problem arises.
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08
How to take out decennial insurance and when it comes into force
Decennial insurance does not start covering on the day it is signed. It is applied for before work begins, accompanied by technical control during construction, and comes into force on handover of the building.
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09
Decennial insurance for buyers and owners
Anyone buying a newly built home, or one less than ten years old, is protected by the decennial insurance taken out by the developer. We explain what it covers, how it is transferred and how to make a claim.
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10
Decennial insurance glossary
Decennial insurance policies use a vocabulary of their own. We have gathered, in alphabetical order, the terms that come up most often when taking out the policy and reading its conditions.