Nick Posted January 10, 2006 Share Posted January 10, 2006 Hi,During March I will need to get my roof re-tiled. I have had quotes from a good local roofer, who is registered with a SIRET No. etc. However, do I need to take out any additional insurance for accidents on my property, which may not be covered by the roofers insurance?I've heard of something called 'Dommage et Ouvrage Assurance'. Is this necessary, and where do I obtain it?thanksNick. Link to comment Share on other sites More sharing options...
andyh4 Posted January 10, 2006 Share Posted January 10, 2006 Your roofer's insurance should cover cover him and you for all eventualities arising from the work. The insurance you are referring to is I think, if you personally employ someone to do work for you. Link to comment Share on other sites More sharing options...
daniel Posted January 10, 2006 Share Posted January 10, 2006 Before you sign the quote (devis), you should ask your artisan for an"attestation de responsabilité civile". This will be a proof that he isinsured for an accident he may cause while working on your property.The "garantie dommage ouvrage" is different. If done by aprofessionnal, your new roof will have a "garantie décennale". Thismeans that for ten years, the artisan is responsible for any problemdue to wrongdoing. But if in the meantime your artisans goes out ofbusiness, you are left without any garantie. The garantie dommageouvrage is an additional insurance you take (and pay !) which somehowdouble the garantie decennale. If you are dealing with arespected and established artisan, I don't think you need this garantiewhich I am told is expensive. You may seek further advice from younotaire. Hope this helps (sorry for the bad english). Daniel. Link to comment Share on other sites More sharing options...
Val_2 Posted January 10, 2006 Share Posted January 10, 2006 Be aware that some insurance companies for deçennel et résponsabilite cover will not pay out on merely just re-tiled rooves where the former or second hand tiles have been re-used instead completely new quality ones or a complete new roof with new woodwork,volige and good first choice slates if there are problems that arise later on. A lot of people do not realise this and think they are completely covered against further leaks etc. Link to comment Share on other sites More sharing options...
Nick Posted January 10, 2006 Author Share Posted January 10, 2006 Thanks for the replies. I shall ask about his personal liability insurance. Link to comment Share on other sites More sharing options...
jonboy Posted June 2, 2006 Share Posted June 2, 2006 My understanding is that your house insurance covers you for up to two million Link to comment Share on other sites More sharing options...
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