Back to glossarySpecial risks

Decennial liability

The builder's automatic ten-year liability after acceptance, for defects compromising the soundness or the intended use of the works.

Definition

French law imposes on every builder an automatic liability toward the client and successive owners, for ten years from acceptance of the works, for defects compromising the soundness of the structure or rendering it unfit for its intended purpose. Three features make it a regime apart. It is strict, the claimant having to prove neither fault nor causation but only the defect and its gravity, the builder being able to escape only through an external cause. It attaches to the works and follows successive owners, which makes it an asset transmitted with the property. And insuring it is compulsory, every builder having to evidence cover before work starts, on pain of criminal sanction. The unfitness-for-purpose criterion is the source of most of the litigation, since it brings within the regime defects that threaten the structure in no way, such as inadequate acoustic insulation or persistent water ingress.

Example

Law no. 78-12 of 4 January 1978, known as the Spinetta Act, organized the French decennial liability regime and made its insurance compulsory, complementing it with damage-to-works insurance taken out by the client.

Related terms
Also known as

responsabilité décennale, decennial liability, assurance décennale, loi Spinetta