Know the role of insurance in building his house is essential to consider a project with complete peace of mind. Some are mandatory, others recommended. In all cases, taking out certain specific insurance policies is an essential step to guarantee the sustainability of your investment, the quality of the work, and to allay fears throughout the construction process. Whether it is to establish your home near Toulouse, Montauban, or even in a more rural commune of South West, do not neglect the administrative steps.
What are the advantages of construction insurance?
Poor workmanship, missed deadlines, material or human damage, etc. building a house Being a complex project, it involves risks whose repair generates significant costs. Insurance allows you not to draw on your personal savings to finance unforeseen events.
French law imposes certain insurances within the framework of the construction of a new house, in particular to guarantee the quality of the work and compensate for any possible disorders. In addition, these insurances strengthen your position if disputes arise with a builder or craftsman.
Discover here all the guarantees and insurances offered by the manufacturer Maisons Sic.
What insurance is required for building?
Building damage insurance
Essential insurance
This is an essential assurance to secure the act of to build and reassure you during the work and beyond. In the event of disorders affecting the solidity of the house or making it unfit for habitation, no need to wait for the results of a long and costly legal procedure.work damage insurance quickly takes care of repairs for damage covered by the ten-year guarantee from the manufacturer without waiting for the court decision.
What does building damage insurance cover?
The building damage insurance covers a period of 10 years after the acceptance of the works. It concerns all damages covered by the ten-year manufacturer's warranty, apparent or not upon receipt of work.
– defects which affect the solidity of the structure and make it uninhabitable or unfit for the use for which it is intended (major cracks, roof collapse, etc.).
– defects which compromise the solidity of equipment elements inseparable from viability, foundation, framework, enclosure and roof works.
Practical tip:
As an individual, ask the builder if he can include this insurance in the house construction contract. If not, you must take it out before the start of work.
The Maisons Sic offer you this important advantage.
To better understand the role of building damage insurance, read the article “ Protecting your future: the crucial importance of structural damage insurance in modern construction »
Legal guarantees upon receipt of work
When you choose your builder, make sure that it is covered by the mandatory professional guarantees.
The Perfect Completion Guarantee (GPA)
The guarantee of perfect completion is part of the guarantees against defects provided for by law. Covered by the builder, it requires him to repair all defects reported within one year following the reception of works.
What it covers
All types of damage, defects and faults are covered, regardless of their nature and importance. Except those due to poor maintenance by the customer, normal wear and tear or use.
Guarantee of good functioning (GBF)
Also called biennial guarantee, the GBF requires the professional to repair or replace all malfunctioning equipment within two years of receipt of the work, unless it proves improper use on your part.
What it covers
It concerns certain items of equipment which can be separated from the construction, removed or replaced such as: household equipment, doors, windows, wall coverings, shutters, taps, carpets, etc.
The ten-year guarantee is insurance taken out by the builder.
The ten-year guarantee
This is an insurance that every construction company is required to take out before starting any construction site. It covers, during ten years, from the date of receipt of the work, damage compromising the solidity of the work or making it uninhabitable or unfit for the use for which it is intended.
This mandatory guarantee applies to all construction professionals (builders, craftsmen, architects). It concerns construction work, certain interior works when they are inseparable from the building or the Big work like a built-in kitchen, tiling, a sealed fireplace, heating with built-in pipes, etc.
What it covers
Unlike the perfect completion guarantee, it concerns equipment elements which are inseparable from the building: central heating, networks, roof, walls, etc. It only covers certain damages:
Damage that compromises the solidity of the building;
Damage that renders the building unfit for its purpose.
This may concern, for example, structural cracks, waterproofing problems, or major defects affecting the roof, the frame, or the foundations.
Absence of ten-year civil liability risks?
A builder who carries out work without insurance that is subject to the obligation of ten-year liability insurance, is exposed to criminal sanctions (a sentence of 6 months of imprisonment and/or a fine of 75 euros). Ask for a ten-year guarantee certificate before signing a contract with a professional.
To go further, read the article “ Wooden house in Aquitaine: which contracts and insurance to choose? »
Multi-risk home insurance: optional and recommended
This classic home insurance, which covers damage caused by fire, water damage or even natural disasters, can be taken out as long as the house is watertight and airtight.
This service can be offered to you free of charge by your insurance, which will transform your contract into Home Insurance as soon as you move in.
House construction: what guarantees do builders offer?
Le CCMI, individual house construction contract, signed with a builder is very protective for the individual. The builder thus ensures numerous guarantees. Objective: to ensure you the greatest peace of mind during the construction of your house.
The guarantees of the manufacturer Maison Sic are detailed on this page.
The guarantee of service and price
With this guarantee, the builder agrees to deliver a house that complies with the detailed description in the quote. Your house will be built in accordance with your expectations, for a firm and final price, without any unpleasant surprises.
The Money Back Guarantee
Mandatory if you pay a security deposit before the start of work, this guarantee protects you in the event of cancellation of the sale. The refusal of the building permit or the failure to obtain a loan, for example, will therefore have no consequences. The builder undertakes to fully reimburse the sums already paid when signing the contract.
Delivery time guarantee
This guarantee, taken out by the builder, protects you against delays in the delivery of your home. In the event that the deadlines specified in the contract are exceeded, it will compensate for unforeseen costs, such as the cost of storage or temporary accommodation.
To go further, read the article: Building in the South-West: the CCMI protects you »
Steps to take out construction insurance
First, determine your needs: identify the compulsory insurance and those that correspond to your situation.
Gather the documents: construction quotes, plans, description of the work.
Then, compare offers and get several quotes from recognized insurers in the South West of France.
Check the solidity of the insurer: prefer companies with a good reputation.
In conclusion, build a detached house in France, particularly in the South West, requires good preparation in terms of insurance. By following these tips and surrounding yourself with reliable professionals, you will avoid a lot of hassle and will be able to fully enjoy your future home.
