{"id":31707,"date":"2020-11-06T20:10:31","date_gmt":"2020-11-06T20:10:31","guid":{"rendered":"https:\/\/blog.lodgis.com\/?p=31707"},"modified":"2025-04-24T14:36:27","modified_gmt":"2025-04-24T14:36:27","slug":"ten-year-warranty-new-homes","status":"publish","type":"post","link":"https:\/\/blog.lodgis.com\/en\/ten-year-warranty-new-homes\/","title":{"rendered":"Ten-Year Warranty for New Homes: What It Covers in 2025"},"content":{"rendered":"<p>In France, the construction of a new home comes with several guarantees designed to protect the buyer. Among them, the <strong>ten-year structural warranty<\/strong> (\u201cgarantie d\u00e9cennale\u201d) is a mandatory insurance policy that the builder must take out. It protects the buyer against major defects or construction faults for a period of ten years.<\/p>\n<p>It works in complement to the <a href=\"https:\/\/blog.lodgis.com\/garantie-dommage-ouvrage\/\" target=\"_blank\" rel=\"noopener\">construction defect insurance<\/a> (\u201cgarantie dommage-ouvrage\u201d), which allows for fast reimbursement of repairs without waiting for liability to be determined.<\/p>\n<hr>\n<h3>What is the ten-year structural warranty?<\/h3>\n<p>The ten-year warranty is an insurance policy required by the Spinetta Law. Its purpose is to cover any damage that may affect the <strong>structural integrity of the building<\/strong> or render it <strong>unfit for use<\/strong> (uninhabitable or unusable).<\/p>\n<p>It applies in particular to major structural work such as:<\/p>\n<ul>\n<li>Load-bearing walls<\/li>\n<li>The roof frame<\/li>\n<li>The roof<\/li>\n<li>The foundations<\/li>\n<\/ul>\n<p>However, it does not cover:<\/p>\n<ul>\n<li>Secondary elements such as doors, windows, or plumbing fixtures<\/li>\n<li>Cosmetic or finishing defects<\/li>\n<\/ul>\n<hr>\n<h3>How long is it valid and when does it begin?<\/h3>\n<p>The ten-year warranty takes effect from the <strong>acceptance of the work<\/strong>, that is, when the owner officially approves the completed construction. It is valid for <strong>10 years<\/strong> from that date.<\/p>\n<hr>\n<h3>Who must take out the ten-year warranty?<\/h3>\n<p>The responsibility lies with the <strong>builder, developer, or contractor<\/strong> to purchase this insurance before the start of the work. It is usually included in the sale price of the new property.<\/p>\n<p>The sales contract must mention the existence of the warranty as well as the <strong>insurer\u2019s contact details<\/strong>. A <strong>certificate of insurance<\/strong> must be provided to the buyer before the construction begins.<\/p>\n<hr>\n<h3>How to make a claim under the ten-year warranty?<\/h3>\n<p>If you identify damage covered by the ten-year warranty:<\/p>\n<ul>\n<li>Notify the builder\u2019s insurer in writing as soon as possible, preferably by registered mail with acknowledgment of receipt.<\/li>\n<li>If you live in a co-owned property, inform the property manager. The homeowners\u2019 association must acknowledge the issue and report it to the insurer.<\/li>\n<\/ul>\n<p>An expert assessment may be carried out to evaluate the damage and, if eligible, trigger repairs to be covered by the insurer.<\/p>\n<p>For more official details, visit the dedicated page on <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2035\" target=\"_blank\" rel=\"noopener\">service-public.fr<\/a>.<\/p>\n<hr>\n<h3>Summary: key takeaways for 2025<\/h3>\n<ul>\n<li><strong>Mandatory<\/strong> for all construction professionals<\/li>\n<li><strong>Duration: 10 years<\/strong> from the completion of the work<\/li>\n<li><strong>Protects the buyer<\/strong> against major construction defects<\/li>\n<li><strong>Does not cover<\/strong> secondary works or aesthetic defects<\/li>\n<\/ul>\n<p>Before signing a contract or starting any construction project, make sure this insurance is in place. It is an <strong>essential safeguard<\/strong> for any new real estate investment.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In France, the construction of a new home comes with several guarantees designed to protect the buyer. Among them, the ten-year structural warranty (\u201cgarantie d\u00e9cennale\u201d) is a mandatory insurance policy that the builder must take out. It protects the buyer against major defects or construction faults for a period of ten years. It works in [&hellip;]<\/p>\n","protected":false},"author":41,"featured_media":31702,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[679,666],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ten-Year Warranty for New Homes: What It Covers in 2025 - Lodgis Blog<\/title>\n<meta name=\"description\" content=\"Learn everything about the ten-year warranty in 2025: coverage, duration, legal requirements, and steps to take in case of a claim.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.lodgis.com\/en\/ten-year-warranty-new-homes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ten-Year Warranty for New Homes: What It Covers in 2025 - 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