Building to occupant, our asset management expertise
Whenever a construction defect threatens the integrity of a collective dwelling or affects the well-being of its occupants, immediate intervention is necessary to identify the causes of the damage, to put in place conservation measures and thus to propose appropriate repair solutions. Housing stock is exposed to a range of…
Whenever a construction defect threatens the integrity of a collective dwelling or affects the well-being of its occupants, immediate intervention is necessary to identify the causes of the damage, to put in place conservation measures and thus to propose appropriate repair solutions. Housing stock is exposed to a range of risks that can affect both the structural work (framework, beams, posts, etc.) and the secondary work such as floor coverings (tiles, PVC), windows and roofing, and more specifically flat roofs.
As many properties as there are potential risks
Property portfolios are exposed to a series of losses that can affect floor coverings (tile, PVC), frames, beams and posts, internal water systems in the building, not to mention foundations (ground risks), windows and French doors, as well as the roof, and more specifically rooftop terraces.
But amid these many potential risks, there are some statistical trends that stand out:
- 62% of claims stem from water leaks.
- 14% result from safety-of-use problems, putting the occupants in danger.
- 10% of losses are caused by stability defects (ground risks).
- 9% are due to aesthetic defects or equipment malfunctions.
- The remaining 5% include condensation problems, thermal or acoustic insulation defects or air leaks, as well as fire safety problems.
Changes in technology and thermal regulations (RT2012) can also lead to new claims. For example, with an increasing number of energy-positive buildings, there are new insulation and ventilation defects. The same is true for modern materials and ecological equipment, such as photovoltaic panels, which have been creating a whole new subset of claims in recent years.
Property portfolio loss adjusters: a structured approach
When there is a real estate claim, Stelliant Loss Adjusting deploys its property portfolio loss adjusters, who work with a very strict methodology. They first survey the damage and clearly identify what caused it. At the same time, the loss adjusters must determine whether or not the cause falls under decennial insurance.
Then, property portfolio loss adjusters must find suitable solutions to remedy both the causes and the consequences of the loss, while also calculating the cost of these repairs. After water infiltration, for example, there may be different work to be done: dewatering, hanging drywall, applying primer, putting down flooring, etc. Last, but not least, they assign responsibilities to the various professionals liable for the loss.
Loss adjuster, a structured approach
For property damage, we assign a CRAC-qualified construction loss adjuster who is a specialist in property assets. His intervention is based on a strict methodology which consists of establishing the damage and clearly identifying its cause. At the same time, the loss adjuster must determine whether or not this cause falls within the scope of the ten-year guarantee, which would then engage the builder’s liability.
Subsequently, the loss adjusters will find appropriate repair solutions to remedy both the causes and the consequences of the damage, whether they relate to the building’s shell or to its finishing work.
Following water infiltration, for example, various operations can be carried out: drying, plasterboarding, plastering, parquet flooring, etc. The final step is to manage the distribution of responsibilities between the various professionals responsible for the damage.
Multiple skills, a response to all property claims
In addition to the construction survey, specialised surveyors are available to the loss adjuster to provide him with diagnostic elements and proposals for permanent repairs. The amount of the work and the cost of the materials are verified beforehand by our construction economists, in the event of a damage to the building structure exceeding €25,000.
Equipped with high-tech diagnostic and calculation tools (3D scan, drone with optical or thermal camera, etc.), the engineers of the Geosynthesis design office are familiar with all building, geotechnical and structural pathologies.
The Stelliant group offers a comprehensive and modular service covering the entire risk chain. Complete support, from prevention to the restoration of damaged structures, through our subsidiary GEOP x PHENIX, which specialises in the repair of damaged property.
construction loss adjusters
handled per year