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Nurul Cuk
Created on November 7, 2024
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Transcript
CONSTRUCTION INSURANCE
Let's guess today subject
INTRO
PROPERTY
STRUCTURAL DAMAGE
THE COVERAGE OF THE CONTRAT
INTRO
BRAINSTORMING
- Protect the contractor
- Speed up compensation timelines
- Avoid legal disputes
- Make decennial liability insurance mandatory
Objective of the law:
- Fine of up to €75,000 and 6 months of imprisonment
- No penalties for individual owners
Examples: Property developers, real estate traders, individuals
- Fine of up to €75,000 and 6 months of imprisonment
- Decennial liability insurance is mandatory
Examples: Mason, plumber, carpenter, etc.
SPINETTA LAW
Professional:
Project Owner:
Manufacturers
Subcontracting Companies
Contractors:
Contractor (Project Manager):
Project Owner:
The stakeholders in construction
Info
Info
Their involvement is mandatory as soon as 2 different companies are present on the same construction site. Their goal is to prevent risks associated with the activities of one company from impacting another. If necessary, they redefine each party's interventions in terms of safety and hygiene. They are not subject to decennial liability insurance.
Safety - Prevention - Health
Focus on the SPH Coordinator
video
THE STEAKHOLDERS / THE PARTICIPANTS
WHO MUST BE INSURED
PROPERTY
In your opinion, what are the types of insurance they need, and what do they cover? Also, what are the risks in case of no insurance?
PROPERTY
GROUPE A
GROUPE B
DUEL
EX 2 Show us : - Constitutive elements (4) - Dissociable elements (2) - Non dissociable elements (1)
- Enclosure
- Roofing
- False ceiling
- Underground piping
- Structure
- Foundations
- Sanitary facilities
CHALLENGE YOUR KNOWLEDGE
Structural damage insurance
Who do you think this insurance is for ?
CONTEXT OF THE CONTRACT
PRICING CRITERIA
LITTLE GAME
Structural damage insurance
Who do you think this insurance is for ?
- The contract has a term of ...... years - It begins with ? ........... .. ... .... . - Why this insurance was created ?
About the contract:
Structural damage insurance
The decennial liability insurance (also called ___________) is a mandatory insurance in many countries, especially in ___________. It is designed to protect ___________ from potential construction defects or damages that could compromise the stability or safety of a building. This type of insurance typically covers damages or defects for a period of ___________ years after the completion of a building project. It applies to ___________ (builders, developers, contractors, or architects) who are involved in the construction process and can be held liable for structural issues.
COMPLETE THIS TEXT
Structural damage insurance
Context of the Contract: The decennial insurance contract is signed ___________ (before, during, or after) the start of construction and remains in effect for a total of ___________ years after project delivery. The process involves: Submitting detailed ___________ of the project to the insurer. Conducting ___________ inspections and audits. Issuing the certificate of coverage before ___________ (project completion or delivery). This policy ensures that all parties involved in the construction process comply with ___________ (local regulations or international standards) while protecting future building owners from unforeseen damages.
COMPLETE THIS TEXT
Structural damage insurance
THE COVERAGE OF THE CONTRACT
When ?
Where ?
Why ?
Who ?
What ?
Guarrantees : before reception
Which damage ? liability and et accident on construction site
decennale guarantee
contractor, architect
the place where the construction takes place
to protect the buildings
before receipt
THE COVERAGE OF THE CONTRACT
When ?
Where ?
Why ?
Who ?
What ?
Guarantees : before reception
THE COVERAGE OF THE CONTRACT
Game : find the right answer
THE COVERAGE OF THE CONTRACT
Video 2
THE COVERAGE OF THE CONTRACT
correction
THE COVERAGE OF THE CONTRACT
Questions about the video
THE COVERAGE OF THE CONTRACT
Parfait achevement, decennale, bon fonctionnement
Where
Who ?
What ?
Guarrantees : after reception
THE COVERAGE OF THE CONTRACT
During the year following acceptance of the work, you benefit from a guarantee of perfect completion (GPA). During this period, the contractor is obliged to repair any reported defects.
Guarrantees : after reception Perfect completion guarrantee
THE COVERAGE OF THE CONTRACT
The builder must repair undetectable damage at handover, covering defects that affect the building's solidity, inseparable equipment, or make it uninhabitable or unfit for use.
Guarrantees : after reception : The insurance prefinances
THE COVERAGE OF THE CONTRACT
The good working order guarantee lasts 2 years after acceptance and covers repair or replacement of non-apparent defects in removable equipment
Guarrantees : after reception : guarrantee of proper functioning
THE COVERAGE OF THE CONTRACT
True or False? RC after receipt
THANK YOU
FINISH
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Constrcution damage insurance
This type of insurance covers damages that may occur during construction, ensuring that the project is protected against unforeseen incidents
Decennial insurance
This type of insurance is typically required for construction projects and covers defects in construction work for a period of ten years after completion.
CLIENT / PROJECT OWNER
It is the person who requested the construction of a property; they can be either an individual or a professional.
00:40
The constructor is the person or company that carries out construction work. The constructor ensures that the project is completed on time and meets safety standards.
BUILDERS
The project manager is the person who manages a construction project. They coordinate the work, ensure everything is done on time, and stay within budget. They act as the link between the client and the various contractors.
PROJECT MANAGER
Who is the project owner?
The project owner can be a public entity such as the state, local authorities, or public institutions. It can also be a private entity, such as companies, associations, or even a professional, like a developer selling buildings under construction.
The role of the project owner is to define, identify, or commission studies, select and finalize contracts for the hire of work, make payments, and accept the completed project
Advise and assist the project owner, design the project with plans, oversee the work, and monitor its execution.
Role of the contractor (project manager):
00:40
- 6 month of prison
- 75 000€ in fines
- Not being to be reimbursed and paying for the damages alone