Damage insurance, essential protection!
Why will property damage insurance help you avoid pitfalls?
\r\nHow does construction damage insurance work?
\nThis insurance is compulsory for owners who wish to carry out major work on a property. This can then be construction work or renovation work. In both cases, insurance must be taken out before the start of work in order to cover the owner from the start of the work he wishes to carry out on his property. \n\nThus, the latter covers disorders which compromise the destination of the property. For example, you realize after 3 years following receipt of the work that there are cracks on your wall. After inspection, a specialist tells you that these can jeopardize the solidity of your property. In this case, this damage falls within the protection field of thedamage insurance. \n\nThis also covers inseparable elements of the property which break down or which do not function correctly. This is the case with heating, for example. In this case, the manufacturer must be given notice to repair these defects. Generally, manufacturers respond quickly. However, if this is not the case, you can take action by contacting your property damage insurance. \n\nYou want to change the decoration of your interior, then the nidouillet site gives you inspiration to choose your next decorative universe. \n\nRead also: Working at height: what safety measures should be taken to avoid accidents?\r\nTriggering your insurance: how to go about it?
\nYou discover a disaster in your home, then now is the time to contact your insurer to report your situation. As soon as you become aware of the poor workmanship, you can take photos to preserve evidence in case the situation evolves subsequently in order to justify a loss or an error on the part of the craftsman who carried out the renovation or construction work in your property. . \n\nYou need to know when this disaster occurs. Indeed, if you notice any problems in the year following receipt of the work, you must invoke the guarantee of perfect completion according to article 1792-6 paragraph 2 of the Civil Code. In this case, the company responsible for the work has 60 days to repair the damage observed. \n\nHowever, if there is no response from those responsible, you must continue to act by declaring your claim in the form of a registered letter to your property damage insurance company. You must also attach the letter that you sent to the company responsible for the work and the photos of the damage observed on the property. \n\nSeveral documents must make up your declaration: \n- \r\n
- Contract number of your insurance, \r\n
- The name of the owner of the construction, \r\n
- The address of the property concerned, \r\n
- The date of receipt or first occupation of the premises, \r\n
- The date of discovery of the damage, \r\n
- Proof of the disorder (detailed descriptions, photos), \r\n
- A copy of the formal notice addressed to the contractor responsible for the work. \r\n
