When you work as a building craftsman in Lyon, it is essential to protect yourself against the risks linked to the work you carry out. One of the most important insurance policies for building tradesmen is ten-year insurance. It offers essential protection in the event of a dispute or damage occurring within ten years of receipt of the work. In this article, we will explore how a building tradesman in Lyon can use his ten-year insurance in the event of a dispute, in order to understand the key steps to assert his rights.
What is ten-year insurance?
Ten-year insurance is compulsory insurance for building craftsmen in France. It aims to protect owners against damage that could compromise the solidity of the structure or make it uninhabitable. It covers construction defects, poor workmanship or defects which may appear within ten years following the end of the work. This insurance is designed to guarantee the liability of craftsmen and allow them to repair the damage caused.
Step 1: Inform the insurer
In the event of a dispute arising after receipt of the work, the first step for a building tradesman in Lyon is to inform his insurer of the situation. It is essential to contact them quickly and provide them with all relevant information regarding the dispute. This includes details of the contract, any expert reports, proof of work carried out, etc. It is essential to respect the reporting deadlines specified in the insurance contract.
Step 2: Expertise and observation of damage
Once informed of the dispute, the insurer will generally appoint an expert to assess the damage and determine its origin. This expert will carry out an in-depth assessment of the work and produce a detailed report. It is important to fully cooperate with the expert, provide him with full access to the construction site and give him all the necessary information.
Step 3: Taking charge of repair work
If the damage is covered by ten-year insurance and the craftsman’s liability is confirmed, the insurer will cover the repair work. This may include repairing defects, partial or total reconstruction of the work, or any other measure necessary to remedy the damage noted.
Step 4: Monitoring the dispute and administrative procedures
Throughout the process, it is important to remain in regular contact with your insurer and to monitor the progress of the dispute. Additional administrative steps may be necessary, such as communicating certain documents or carrying out specific procedures. It is essential to comply with these requirements so that the insurer can efficiently process the file.
Conclusion
For a building tradesman in Lyon, ten-year insurance is an essential tool to protect yourself against the risks linked to construction work. In the event of a dispute, it is important to follow the key steps to use this insurance effectively. Informing your insurer quickly, cooperating with the expert, having the repair work taken care of and following the administrative procedures are all crucial measures to assert your rights. By correctly using their ten-year insurance, a building tradesman in Lyon can guarantee optimal protection in the event of a dispute arising after receipt of the work.
