Your construction or renovation project is protected by a 10-year civil liability insurance policy, commonly known as the "10-year guarantee." This coverage addresses damage from poor workmanship and requires specific steps to invoke it effectively.
The 10-year guarantee, formally a civil liability insurance, covers repairs for damage arising after new construction or major renovations.
Contractors, developers, project managers, architects, technicians, design offices, and consulting engineers involved in building work are subject to this 10-year liability. In case of damage, they are responsible to the property owner—and subsequent buyers—for 10 years from the official handover, known as "acceptance of the works." Note that subcontractors are not covered under the prime contractor's policy.
As the name implies, this guarantee lasts 10 years from the acceptance date.
For validity, the professional must secure the policy before starting work and provide proof to the client. It must also appear on quotes and invoices.
It applies to defects or damage compromising the building's structural solidity, equipment functionality, habitability, or usability—such as wall cracks or severe leaks.
This includes major works on frameworks, walls, roofs, and equipment like heat pumps, where malfunctions prevent normal use of the property.
If damage affecting your home's solidity or usability appears within 10 years of acceptance, the responsible company must repair it at their expense under this guarantee.
Act promptly: Send a registered letter with acknowledgment of receipt (LRAR) to the company, demanding repairs. Include work dates, issue details, confirmation of coverage, invoices, and photos.
Simultaneously, notify your construction damage insurance provider via LRAR. This policy pre-finances repairs, especially if the company is defunct—your insurer compensates you (up to 100% or 75% during disputes) and seeks reimbursement. Activation typically takes 3-4 months.
If no action within the 10-year window, pursue legal action: district court for disputes ≤ €10,000; high court for > €10,000.
