Decennial responsibility insurance

Decennial civil liability insurance is taken out in order to cover damage which affects:

  • The solidity of the structure: foundation, framework, roofing defects, etc.
  • The destination, the use of the work: problems relating to an item of equipment or constitution.

The history of decennial responsibility insurance D.R.I.

Decennial civil liability insurance D.R.I. is founded upon article 1792 and 1792-2 of the civil code. Its goal: to cover the responsibility of the constructor(s) (architect, contractor and building craftsman, technician or other persons linked to the contracting authority by a contract for the hire of a structure) after receipt of the work carried out, for a period of ten years.

Damage corresponds to the decennial civil liability insurance D.C.L.

D.C.L. decennial civil liability insurance corresponds to damages which:

  • Compromise the solidity of the structure,
  • Make the work unsuitable for its intended purpose,
  • Affect the solidity of inseparable pieces of equipment (foundation viability, enclosure and cover for a building).

The extended warranty period of the decennial civil liability insurance D.C.L.

The scope of the D.C.L. is ten years from receipt of the work.

For the constructor, his assumption of liability is therefore engaged during this period. To disengage from the causal link between the fault and the damage, he must prove a case of force majeure, the fault of a third party or that of the victim.

Without decennial civil liability insurance D.C.L.

Contractors failing to comply with this obligation are liable to a fine and / or six years imprisonment but, this is excluding the occurrence of a material, bodily and immaterial disaster which could greatly increase such penalties.