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Civil engineering specialist alongside public works players

Various roads and roads, engineering structures, collective housing and urban developments, these environments are particularly prone to risks and therefore subject to disasters. There are two types of risks: risks during construction, covered by Damage during construction, All Construction Risks (ACR), Third Party Liability and Professional Third Party Liability guarantees.

A multidisciplinary approach to handle a multitude of risks

Structural works (building frame), finishing works (building fixtures and finishes), all trade work, construction encompasses a multitude of fields and workers: construction equipment operators, surveyors, plasterers, bricklayers, electricians.

All of these trades and their unique expertise are covered by loss adjusters in the Stelliant Construction Loss Adjusting constellation, who work to support the network linking professionals involved, from the insurer to the project manager to the project owner.

Decennial insurance, worker protection, minimum work site safety requirements, and more… Stelliant Construction’s loss adjusters understand the legal and insurance aspects of this highly regulated sector.

Good to know:

62% of risks are caused by waterproofing failures leading to water ingress.
14% stem from user safety problems that can endanger building occupants.
9% consist of aesthetic defects, malfunctioning equipment or parts.
10% are instability problems.
5% are cases of condensation inside the building, faulty thermal insulation, airtightness failures, fire safety breaches or faulty acoustic insulation.

source: AQC – Rapport “Observatoire de la Qualité de la Construction – Édition 2019” (French article)

Claims during works (accident on site, fire, design error, damage to neighbors, etc.) tend to decrease (- 14% in 2016 vs. 2008). Conversely, their cost is increasing very significantly with an increase of 71% despite the slowdown in activity due to the 2008 crisis.

As for claims after acceptance of the works, covered by the ten-year guarantee, their number is increasing (+ 13%) as is their cost (+ 42%).

A solid approach to Public Works loss adjusting

Stelliant’s loss adjusting relies on a team of complementary experts and consultants, all of whom are qualified in specific public works fields. Their strength? Rich professional experience of 5 to 10 years as engineers from design and engineering departments, architects or superintendents.

They are also trained specialists in administrative law, more specifically, construction insurance law. In addition, they bring the interpersonal skills needed to manage the situation between the project manager affected and all those involved at the construction site. We make all this industry-specific jargon our own, demonstrating our mastery of these industries and their nuances in a very particular insurance context.

Our priority is then producing a fair, accurate loss adjustment. All of this while strictly complying with legal deadlines (60 days) mandated by law and those set out in contracts by insurers. Stelliant loss adjusters have everything needed to offer the highest level of analysis and consulting at each step of the process:

establishing the substance of the damage,
identifying the cause,
determining whether the cause is covered by decennial insurance,
finding and recommending long-term solutions, once the first provisional measures have been implemented,
determining shares of liability,
calculating costs of repairs to determine the amount of compensation paid by the insurer.

Construction adjusters supported by building specialists

Stelliant Loss Adjusting has 250 Construction experts in its ranks with complementary specialties: roofing, waterproofing, joinery, electricity, climatic and technical engineering, etc.

Among them, 150 CRAC (Construction Insurance Settlement Agreement) certified experts. This certification allows them to intervene in high-stake cases, both within the framework of the DO guarantee and that of the Decennial RC of the companies involved.

With the support of the other departments present within the Group, the appointed expert can call on Geosynthesis, building engineers from many scientific disciplines (geology, geothermal energy, hydrogeology, etc.). At the request of the insurer as part of a global offer, they provide full assistance on analysis and diagnosis, design and execution in project management.

To close the case, our subsidiary dedicated to reclamation intervenes with its integrated network of technicians, quantity surveyors and workers. In the most delicate cases, a project manager can also intervene to ensure that the work is restored to its original condition.