Structural Damage loss adjusting as a response to Construction Risks

Problems and losses caused by poor construction or renovation of a building fall under Structural Damage insurance. It offers a major advantage for project owners: they can complete repairs quickly as soon as defects and nonconformities are noticed. Then, the builders involved can be implicated under (mandatory) Decennial Liability, and…

Problems and losses caused by poor construction or renovation of a building fall under Structural Damage insurance. It offers a major advantage for project owners: they can complete repairs quickly as soon as defects and nonconformities are noticed. Then, the builders involved can be implicated under (mandatory) Decennial Liability, and a Structural Damage loss adjustment can help to determine liability.

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Structural Damage claims

Structural Damage insurance and decennial insurance are closely related in the sense that they cover the same type of damage. This damage includes most problems that arise within 10 years after construction and delivery.

The most common construction defects include:

  • Damage that endangers the stability of the building: cracks, damaged frame, ground risks, etc.
  • Damage that makes the home unfit to live in or endangers its occupants: water infiltration, leaks, etc.
  • Abandonment of a construction project.

Building problems related to external events can also be involved: landslides, rockslides, droughts or other weather events.

Note that below a certain level of severity, construction defects are not necessarily covered by decennial insurance. This is the case for purely aesthetic damage, for example.

Structural Damage loss adjusting process

As soon as the loss is reported to the insurer, Stelliant Loss Adjusting mobilises rapidly to survey the damage caused to the building, since structural damage is subject to a contractual 60-day deadline.

A Construction loss adjuster goes to the site to identify the causes of the damage and determine the liability of each trade: roofers, bricklayers, carpenters, etc. The loss adjuster then gets a precise calculation of the amount of work needed to repair the damage. With significant experience in the construction industry, the loss adjuster is able to suggest economically viable solutions, sometimes with help from extensive consultations with construction economists. 

With 250 qualified Construction loss adjusters to respond to Structural Damage cases (including 200 with CRAC certification), Stelliant Loss Adjusting combines human resources, technical expertise, and legal and insurance knowledge in a single Structural Damage loss adjustment.

A galaxy of skills dedicated to Structural Damage loss adjusting

With in-house training in Decennial Liability and Construction Risks, Stelliant Loss Adjusting experts can fine-tune their diagnosis with the help of specialist advisors in a large number of technical fields: wood, geotechnics, foundations, electricity, concrete, thermal, and more. The group also has the advantage of broad geographic coverage, with 40 sites in France and its overseas territories, ensuring that it will be on hand to respond quickly.

The support of financial experts also means meticulous calculations when doing even the most particular Structural Damage loss adjustments. For example, Stelliant Loss Adjusting was able to identify a serial claim affecting some ten sites across France, after comparing reports from several different policyholders. Estimated cost of repairs: over 10 million euros. 

With its advanced technical and legal skills in Structural Damage loss adjusting, and more broadly in Construction, the Stelliant Group also offers customised third-party administration services for insurers based on the type of case and the stakes. A complete, transparent, customised solution for each need, guaranteeing optimum service quality.

keys facts

250
experts
specialized in Construction
40
locations
in France and overseas
150
CRAC qualified
loss adjusters