Claims covered by home insurance under construction
The choice of the type of home insurance under construction, which here is structural damage insurance, covers all damage encountered during the performance of the work. Even the condition of the soil, from the moment it endangers the structure, is included in the risks to be covered.
Thus, claims covered by insurance are of various kinds, such as water infiltration, cracks, material burial, structural or roof collapse. Taking out this insurance guarantees you complete damage coverage that extends to the various materials essential for the continuation of the work.
On receipt of the work, take the time to inspect all the details related in particular to the clauses of your insurance contract such as the various guarantees and in particular the ten-year guarantee. The true professionals of the sector, by integrity, are supposed to accompany you during the reception of the works. Their professional expertise is validated particularly at this time of the site and your work in your home.
The law protects you, but it's up to you to be vigilant during your work
The law protects you and your contract, whether it is against fire, poor workmanship or missed completion. There can be many causes of worry, and in some ways, you are responsible for protecting yourself, or for lacking lucidity.
However, some damages are not covered by home construction insurance. These are accidents occurring during construction which are the responsibility of the contractor's professional insurance. Also the non-completion of construction works on time.
During this key stage in the construction of your home, your home, be sure to analyze all the guarantees offered by insurers to owners. In the real estate world, too many clauses exist .... So stay vigilant, whether your insurance is third party or multi-risk. Among these guarantees, the ten-year guarantee is a must to avoid post-construction worries (over a period of 10 years). Your home deserves the best during construction and well after.
The formalities to be completed for compensation
To get back the expected compensation, you must ensure that you have gathered all the documents for home insurance under construction before submitting them.
First of all, it is necessary to make a claim by means of a registered letter certified with an acknowledgment of receipt within the contractual period which is at least five days. Your declaration must provide the following information:
the insurance contract number
the identity of the owner and the exact location of the damaged site
the exact day of the discovery of the damage while adding their description and where they are
the date of the start of the work and a copy of the formal notice issued under the guarantee of perfect completion of the work if the declaration is made during the year following receipt of the construction or renovation work.
When one of these documents is missing, you are called back to complete the file. However, the procedure will take longer than expected.
How does the damage assessment phase work?
When the amount of compensation is less than 1,800 euros including tax, there is no recourse to expertise. However, if you feel that the damage is greater, you have the opportunity to call on the expertise to conduct an investigation. Think about it all the more if you want to build your house on your own.
The expert is responsible for making the observation, making an interpretation or a description of the facts and drafting the conclusions of the expertise. The expert report is made up of two reports: the preliminary report and the final report.
In the preliminary report, the expert outlines the security measures to be taken in order to avoid any risk of degradation. An assessment of the damage observed is also made in order to estimate the amount of compensation and whether the insurer is paying for the compensation.
In the event of refusal on the part of the latter, he is obliged to provide proof justifying his decision.
In the final report the final arrangements for the compensation of damages and the assessment of the compensation are made. The data will then be updated taking into account the conclusions of the expertise.
Compensation thus takes into account all costs associated with the repair.
A home, a building, a house must be insured so that owners are much more peaceful. The guarantees offered by the quotes of insurers are varied, even too varied, so remember to analyze all the clauses.
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