Yes, in Belgium this insurance is mandatory for certain construction and renovation projects involving an architect.
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Ten-year (decennial) liability insurance
Are you building or renovating? Then you want to be sure that your home is well protected in the long term. The ten-year liability insurance provides that certainty. It protects you against serious defects affecting the stability or safety of your home, for up to ten years after completion.
What is a ten-year liability insurance?
The ten-year liability insurance is a statutory insurance that intervenes in the event of serious defects in a building after completion of the works. This insurance covers the liability of construction partners (such as contractors, architects, and other involved parties) for ten years after the completion of your home.
For you as a private individual, this means:
- Protection against structural damage
- Financial security in case of major defects
- A compulsory insurance for certain construction projects
The insurance mainly applies to works where the stability or waterproofing of the building could be compromised.
What are the benefits?
Covers serious defects that affect the stability of your home.
Covers damage up to ten years after completion of the works.
Provides financial protection without lengthy legal procedures.
Covers your investment in construction or renovation.
Who is this insurance for?
This insurance is relevant for:
- Individuals having a house built
- Individuals carrying out major renovation works
- Owners who have work carried out by contractors and architects
- Building owners who want assurance about the quality of the execution
In Belgium, this insurance is mandatory for certain construction projects involving an architect.
What is covered and what is not?
What is covered?
- Structural defects that jeopardise the stability of the building
- Waterproofing issues (e.g. severe water ingress)
- Faults in design, construction or materials leading to significant damage
- Damage that only becomes apparent over time
What is not covered?
- Cosmetic defects (such as cracks or finish)
- Minor technical issues that do not affect stability
- Normal wear and tear
- Damage caused by misuse or poor maintenance
- Work not covered by the statutory obligation
How much does this insurance cost?
The premium of a ten-year liability insurance depends on:
- The nature and scope of the works
- The total construction or renovation value
- The type of dwelling
- The involved construction partners
- The risk analysis of the project
The cost is usually included in the total construction budget and depends on the complexity of the project.
"Thank you very much for the clear information and the prompt follow-up!"
The K. family from Westerlo
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Are you planning to build or undertake major renovations? Then it is important to be well informed about your protection.
Van Dessel guides you with:
- Understanding your rights and obligations
- Checking whether all involved parties are properly insured
- Optimising your protection as a property owner
This way, you avoid unpleasant surprises, today and in the future.
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