Latent Defects Insurance (Dommages-Ouvrage)
A structural defect claim can freeze a construction site for months while liability gets sorted out. Latent Defects Insurance pre-finances the repairs immediately, without waiting.
What it covers
Structural-grade defects
Structural cracks, water infiltration, defects threatening the building's soundness: repairs are pre-financed as soon as the claim is filed.
Fast pre-financing
Compensation happens before liability between the various contractors is even established.
Defects visible at handover
Certain defects noted at delivery and not formally flagged can also be covered depending on the policy.
Resale of the building
If the building is sold within 10 years, the cover automatically transfers to the new owner.
What it does not cover
- Purely cosmetic damage, with no impact on the building's soundness or intended use, is not covered.
- Normal wear and tear or lack of maintenance of the building falls outside the decennial guarantee.
- Defects already known and not declared when the policy was taken out are excluded.
Who is it for?
You're building for your business
Commercial premises, warehouse, offices: the project owner must take out this cover before work begins.
You're a property developer or investor
Every new-build programme carries a legal obligation for Latent Defects Insurance throughout construction.
You're heavily renovating an existing building
Work affecting the structure or building envelope also triggers this obligation.
Frequently asked questions
Is it mandatory?
Does it replace contractors' decennial insurance?
How long does the cover last?
What happens if I sell the building?
These coverages often go together
All Risks Equipment Insurance (TRM)
A machine breaking down, tools stolen on-site, equipment damaged by water while in transit. TRM covers it wherever it is.
Property Damage (BOP)
A fire or water damage can shut your premises overnight. This insurance pays for the repairs and keeps you afloat until you reopen.
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