ICEA — 20 years of experience at your service
ICEA — 20 years of experience at your service
Advice, guides and explainers to help you make the right insurance choices — individuals and professionals.
Sole trader in construction, micro-entrepreneur, one-person craftsman: is ten-year structural cover (décennale) compulsory in every case? A clear answer, with no hidden exceptions, and the penalties you face.
Work you do yourself: ten-year structural cover does not apply, but you can still be held liable if you sell the property within 10 years. A rundown of the cases you need to know.
Structural damage insurance (Dommage Ouvrage) is compulsory before any building project or major renovation. Here is how it works, what it's for and the pitfalls to avoid.
Homeowner renovating your house: is structural damage insurance (Dommage Ouvrage) really compulsory? A clear answer, concrete cases and the risks of going without.
Refusal of structural damage insurance (Dommage Ouvrage): common reasons, the recourse available and solutions to get your building or renovation project off the ground.
How do you file a Dommage Ouvrage (structural damage) claim and speed up your compensation? Procedure, deadlines, supporting documents and best practices to know.
60 days, 90 days, 15 days: everything you need to know about the statutory compensation deadlines for Dommage Ouvrage insurance and the penalties for delay.
Dommage Ouvrage and ten-year (décennale) liability: two complementary but clearly distinct types of insurance. Comparison table, the role of each and worked examples.
Structural soundness, intended purpose, inseparable equipment: a clear, illustrated breakdown of the damage covered by ten-year (décennale) liability, with real-world project examples.
Has the firm that built or renovated your home gone bankrupt? Good news: ten-year (décennale) liability follows the works, not the firm. How to activate the cover step by step.
The décennale doesn't cover everything. Cosmetic defects, wear and tear, removable equipment, force majeure: an overview of the classic exclusions so you avoid nasty surprises.
Not all cracks are covered by the ten-year warranty, and neither are all water infiltrations. Learn to recognise the defects genuinely covered by the décennale and to react at the right moment.
Understand in 5 minutes what the ten-year warranty is, who it protects, when the 10-year period starts, and why it's mandatory for every construction professional.
GPA, biennale, décennale: these 3 warranties protect the property owner after handover. Discover what each one covers, how long it lasts, and how they fit together over time.
What budget should you plan for damage-to-works insurance in 2026? Price ranges, the factors that make them vary, and tips to optimise your premium.
New build, extension, renovation, insulation, veranda: for which works is Dommage Ouvrage insurance mandatory? A clear list and practical examples.
Selling a property built or renovated without Dommage Ouvrage insurance: legal consequences, price reductions, mortgage refusals. Everything you need to know before the sale.
Building without Dommage Ouvrage insurance exposes you to serious financial and legal consequences. Discover the 5 major risks so you don't make the mistake.
Working without décennale insurance in construction means a €75,000 fine, 6 months in prison, and civil liability against your personal assets. A breakdown of the penalties and the pitfalls.
Before signing a works quote, check these 5 key points on the tradesperson's décennale certificate: covered activities, validity dates, insurer, SIRET and geographical area.
Third-party, mid-range or fully comprehensive? A breakdown of the policy types, the must-have cover and the mistakes to avoid so you insure your vehicle at the right price.
23 Grande Allée du 12 Février 1934, 77186 Noisiel, France
I Conseil Expertise Assurances is registered with the French ORIAS under number 08046290.
Société Nouvelle d'Assurances et de Réassurances Intercontinentales. SARL active since 2008, specialised in the business of insurance agents and brokers. Registered with the RCS on 16 October 2008 and with INSEE on 16 October 2008. SIREN 508591633. SIRET 50859163300021.
© 2008 - 2026 I CONSEIL EXPERTISE ASSURANCES | DESIGN & DEVELOPMENT: ITERU.AGENCY
