Decennial insurance is a legal guarantee to which marble workers – stonemasons are required for a period of 10 years from the date of receipt of the work.
The Spinetta law of January 4, 1978 requires builders to take out a ten-year guarantee before the start of construction. Without this insurance, artisans face a fine of 75,000 euros and a 6-month prison sentence, or one of these two penalties. Details.
Marble maker – stonemason: why take out a ten-year guarantee?
The marble worker – stonemason carries out all kinds of stone works: fireplaces, stairs, walls, vaults… Unlike the stone sculptor, this professional works on geometric works using several materials: limestone, granite, sandstone. He is also required to provide masonry in order to incorporate his creations into buildings.
Like other construction professionals, the marble worker – stonemason must take out ten-year insurance. In the event of a claim, the insurance company will pay for the repair work for the damage linked to the intervention. This cover thus prevents the manufacturer from having to compensate his customer himself. It also helps to reassure the customer when signing the contract.
List of damages covered by the ten-year guarantee
The ten-year guarantee allows the repair of damage which affects the solidity of the building (collapse resulting from a construction defect) or renders the structure unsuitable for its intended purpose (lack of waterproofing, severe cracks).
The damage covered by the ten-year insurance may result from a lack of conformity or a defect in the soil. They can relate to inseparable items of equipment (a heat pump for example) when the malfunctions that affect them make the good unfit for its use.
In all cases, this insurance only applies if it was taken out before the start of the work. In addition, it must be valid for the geographical area in which the site is located.
How is the price of a ten-year guarantee for a marble worker – stonemason calculated?
The rate for ten-year insurance is calculated according to several criteria:
- The area of the activity ;
- The size of the business;
- The turnover achieved;
- Years of experience and skill level;
- The processes implemented;
- The extent of the guarantees desired.
The price of a ten-year guarantee for marble worker – stonemason varies from 750 to 3,000 euros depending on the insurer.
Finding the best ten-year insurance for marble and stonemason: our advice
Comparison of offers is essential. This can be facilitated through the use of a free online comparator without obligation. After completing a quick and easy questionnaire, you will be able to receive personalized ten-year insurance quotes and subscribe in a few clicks to the offer that suits you.
If you do not have the time to compare the ten-year insurance contracts yourself, know that a broker can take care of it for you. This expert is perfectly familiar with the ten-year insurance market and will be able to direct you to offers tailored to your needs. To choose your broker, remember to check his registration with ORIAS, his experience, his skills, and the amount of his fees.
It is possible that no insurer will answer you or accept to take charge of you. In this situation, you can contact the Central Pricing Bureau (BCT) which will require an insurance company to make a proposal to you at the fixed price.
As you can see, ten-year insurance is essential to be able to exercise your activity as a stonecutter – stonemason under the best conditions. Do not hesitate to start your research several months in advance.