{"id":11956,"date":"2022-04-20T16:31:07","date_gmt":"2022-04-20T14:31:07","guid":{"rendered":"https:\/\/bohemia-mallorca.com\/bohe01\/business-customers\/ten-year-insurance\/"},"modified":"2023-07-29T20:54:01","modified_gmt":"2023-07-29T18:54:01","slug":"ten-year-insurance","status":"publish","type":"page","link":"https:\/\/bohemia-mallorca.com\/en\/business-customers\/ten-year-insurance\/","title":{"rendered":"Ten-year insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;fixed-back-bild&#8221; el_id=&#8221;bauversicherungen&#8221;][vc_column offset=&#8221;vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][vc_single_image image=&#8221;46180&#8243; img_size=&#8221;bohe-back&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; el_class=&#8221;fixed-back-bild&#8221;][vc_column offset=&#8221;vc_hidden-lg&#8221;][vc_single_image image=&#8221;46184&#8243; img_size=&#8221;bohe-back&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; content_placement=&#8221;bottom&#8221; css_animation=&#8221;none&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider&#8221; css=&#8221;.vc_custom_1689408120054{background-color: rgba(100,90,132,0.67) !important;*background-color: rgb(100,90,132) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son numbericon=&#8221;one&#8221; produkt_link=&#8221;url:%23this|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>In case of damage originating from or affecting the foundation structure<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;two&#8221; produkt_link=&#8221;url:%23this|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Demolition and debris removal costs<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;three&#8221; produkt_link=&#8221;url:%23this|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Waterproofing<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;four&#8221; produkt_link=&#8221;url:%23this|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>In the event of damage to existing property<\/em>[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;read more&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-down&#8221; link=&#8221;url:%23this|title:Construction%20insurances|&#8221; el_id=&#8221;this&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1672325369817{background-color: #d1d1d1 !important;}&#8221; el_class=&#8221;dunkel backbild_container&#8221;][vc_column][vc_custom_heading text=&#8221;<strong>Ten-year<\/strong> <em>insurance<\/em>&#8221; font_container=&#8221;tag:h1|text_align:left|color:%23645a84&#8243;][vc_column_text]<\/p>\n<p class=\"content-with-padding\" style=\"padding-right: 8rem;\">The spanish Ten-year insurance policy (building guarantee insurance\/decennial insurance) covers damage to the structural elements of the building (foundations and structure) that endanger the mechanical strength and stability of the building, whether due to defects or faults, for 10 years after the completion of the works.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;backbild_wrap&#8221;][vc_column width=&#8221;1\/2&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;16490&#8243; img_size=&#8221;large&#8221; alignment=&#8221;right&#8221; el_class=&#8221;backbild&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; content_placement=&#8221;top&#8221; el_class=&#8221;super-balke-container-small&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; el_class=&#8221;bullets-block dunkel&#8221; css=&#8221;.vc_custom_1654926044160{background-color: #d1d1d1 !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;<strong>Tailored<\/strong> <em>to your needs<\/em>&#8221; font_container=&#8221;tag:p|text_align:left|color:%23645a84&#8243; css_animation=&#8221;fadeInRight&#8221; el_class=&#8221;heading-size-1&#8243;][vc_custom_heading text=&#8221;What cover is available with Decenal insurance?&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Foundation covers\n<ul>\n<li>Damage arising from or affecting the foundation structure (mechanical strength and stability of the building)<\/li>\n<li>Demolition and debris removal costs necessary as a consequence of a loss covered by the policy<\/li>\n<li>Waterproofing of roofs and terraces<\/li>\n<li>Waterproofing of fa\u00e7ades<\/li>\n<li>Waterproofing of basements<\/li>\n<li>Damage to existing property<\/li>\n<\/ul>\n<\/li>\n<li>The contracting of the policy requires the following documents\n<ul>\n<li>Value of the work, i.e. the total cost of the construction, including taxes, rates and fees<\/li>\n<li>Description of the building (Memoria de Obra)<\/li>\n<li>Construction budget<\/li>\n<li>Duration of the construction phase (Duration of work)<\/li>\n<\/ul>\n<\/li>\n<li>Ten-year (Decenal)\n<ul>\n<li>Geotechnical study<\/li>\n<li>Project licence<\/li>\n<li>Control report from a recognised construction control company (Technical Control Organization &#8211; OCT)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1672325883445{background-color: #d1d1d1 !important;}&#8221; el_class=&#8221;details&#8221;][vc_column][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1657379620142{background-color: #282626 !important;}&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">Important Info!<\/h4>\n<p class=\"content-with-padding\" style=\"text-align: center; padding: 0 12rem;\">This insurance covers material damage to the building due to faults or defects that originate in or affect the basic work and that directly affect the mechanical resistance and stability of the building, for 10 years from its completion and handover.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1672325871275{background-color: #d1d1d1 !important;}&#8221; el_class=&#8221;dunkel details&#8221;][vc_column][vc_custom_heading text=&#8221;Frequently asked questions about ten-year insurance&#8221; font_container=&#8221;tag:h4|text_align:left&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689408944571{background-color: #d1d1d1 !important;}&#8221; el_class=&#8221;dunkel three-column-back details&#8221;][vc_column css=&#8221;.vc_custom_1690656477582{background-image: url(https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/07\/decenal-versicherung-mallorca_quer-jpg.webp?id=46180) !important;}&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; el_class=&#8221;three-columns&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657379958891{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;When is ten-year insurance compulsory?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:When%20is%20ten-year%20insurance%20compulsory%3F|&#8221; el_id=&#8221;slick-slide-1&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657380366664{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Who must take out ten-year insurance?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:Who%20must%20take%20out%20ten-year%20insurance%3F|&#8221; el_id=&#8221;slick-slide-2&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657380382813{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;When is it taken out?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:When%20is%20it%20taken%20out%3F|&#8221; el_id=&#8221;slick-slide-3&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; el_class=&#8221;three-columns&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657382800745{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;What is the validity of the Ten-year insurance policy?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:What%20is%20the%20validity%20of%20the%20Ten-year%20insurance%20policy%3F|&#8221; el_id=&#8221;slick-slide-4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657382816385{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;What damages are covered?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:What%20damages%20are%20covered%3F|&#8221; el_id=&#8221;slick-slide-5&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657382836880{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;When is the premium paid?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:When%20is%20the%20premium%20paid%3F|&#8221; el_id=&#8221;slick-slide-6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; el_class=&#8221;three-columns&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657382855267{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Is it compulsory to take out insurance with an OCT?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:Is%20it%20compulsory%20to%20take%20out%20insurance%20with%20an%20OCT%3F|&#8221; el_id=&#8221;slick-slide-7&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657382887370{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;I am a developer (self-builder), do I need a ten-year insurance policy for my own house?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:I%20am%20a%20developer%20%28self-builder%29%2C%20do%20I%20need%20a%20ten-year%20insurance%20policy%20for%20my%20own%20house%3F|&#8221; el_id=&#8221;slick-slide-8&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657382893675{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;What if I sell before the ten years are up?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:What%20if%20I%20sell%20before%20the%20ten%20years%20are%20up%3F|&#8221; el_id=&#8221;slick-slide-9&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; el_class=&#8221;three-columns&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657382918994{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;What does the ten-year insurance exemption mean and is it possible?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:What%20does%20the%20ten-year%20insurance%20exemption%20mean%20and%20is%20it%20possible%3F|&#8221; el_id=&#8221;slick-slide-10&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1657382941861{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;What is the purpose of an OCT?&#8221; font_container=&#8221;tag:div|text_align:center&#8221; link=&#8221;url:%23tothetop|title:What%20is%20the%20purpose%20of%20an%20OCT%3F|&#8221; el_id=&#8221;slick-slide-11&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1654933481475{border-top-width: 1.5rem !important;border-right-width: 1.5rem !important;border-bottom-width: 1.5rem !important;border-left-width: 1.5rem !important;background-color: #d1d1d1 !important;border-left-color: #d1d1d1 !important;border-left-style: solid !important;border-right-color: #d1d1d1 !important;border-right-style: solid !important;border-top-color: #d1d1d1 !important;border-top-style: solid !important;border-bottom-color: #d1d1d1 !important;border-bottom-style: solid !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1672325846286{background-color: #d1d1d1 !important;}&#8221; el_class=&#8221;dunkel details&#8221; el_id=&#8221;tothetop&#8221;][vc_column][bohe_carousel_father vertikalalign=&#8221;slider-center-auto&#8221;][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>When is ten-year insurance compulsory?<\/strong><\/p>\n<ul>\n<li>For projects with more than one dwelling<\/li>\n<li>For buildings that require horizontal division because there is more than one dwelling, business premises or garage, etc. per floor, regardless of whether they are to be sold or not.<\/li>\n<li>That all dwellings are sold within 10 years of completion, even if they are owner-occupied.<\/li>\n<\/ul>\n<p>For self-builders of single-family dwellings for own use, decentralised insurance is not compulsory but advisable. This is because if the owner decides to sell the house within the first 10 years, this insurance is necessary for registration in the land registry.<\/p>\n<p>Law 38\/1999, LOE (Ley Ordenaci\u00f3n Edificaci\u00f3n), which was published in the BOE in November 1999 and came into force in May 2000, establishes that the promoter of a building is liable for 10 years for damages caused by faults or defects in the construction that directly affect the resistance of the building.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>Who must take out ten-year insurance?<\/strong><br \/>\nThe developer, as long as the apartment\/building has not been handed over.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>When is it taken out?<\/strong><br \/>\nIdeally, it should be taken out before or at the start of the building works in order to be able to assess the risk during the execution of the works.<\/p>\n<p>In this way, with the information from the geotechnical study, the project and the information from the OCT (Technical Control Organization), a prior policy is issued until the completion of the works.<\/p>\n<p>The ten-year insurance policy is then recalculated using all the information from the OCT and the insurance cover starts from the date of the construction acceptance certificate.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>What is the validity of the Ten-year insurance policy?<\/strong><br \/>\nThe coverage of the ten-year insurance policy takes effect from the issuance of the addendum to the effective date of the guarantee. The effective date of the guarantee corresponds to the date of signature of the building inspection certificate. From this date, its duration is 10 years.<\/p>\n<p>There are additional guarantees, the duration of which varies depending on the company. The duration of the waterproofing coverage is usually 3 years, and some companies issue the supplement on the entry into force of the same only after the observation period of 1 year (which coincides with the client\u2019s responsibility for the completion and execution of the works).[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>What damages are covered?<\/strong><br \/>\nThe decentralised insurance covers material damage to the building caused by faults or defects originating in or affecting the foundations and other structural elements. This damage can be caused by hidden faults or defects in the construction that directly affect the stability of the building.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>When is the premium paid?<\/strong><br \/>\n20% or 50% (depending on the insurance company) is paid when the preliminary contract is concluded.<br \/>\nThe remainder is payable on completion of the construction work.<\/p>\n<p>If the decentralised insurance is applied for after completion of the works, it is more difficult to find an insurance company that will assume this risk. If a company agrees to take on the risk, premiums can be expected to increase by double or more.<\/p>\n<p>It is also important to know that a decentralised policy must be certified by a notary and that there may be a period of up to one week between payment and receipt of the policy at your home address.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>Is it compulsory to take out insurance with an OCT?<\/strong><br \/>\nThe law does not stipulate this. It depends on the insurance company we want to insure with if they require it or not.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>I am a developer (self-builder), do I need a ten-year insurance policy for my own house?<\/strong><br \/>\nIf you are building a house for your own use, or building your own house, you are not obliged to take out a ten-year insurance policy. However, it is highly recommended to avoid having to pay for possible structural damage to the building with your own money and assets.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>What if I sell before the ten years are up?<\/strong><br \/>\nIf you sell a property before ten years have passed since its construction, the notary will require a ten-year insurance policy at the time of the sale to cover and protect the future owners in compliance with the law.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>What does the ten-year insurance exemption mean and is it possible?<\/strong><br \/>\nWhen selling and buying a self-built property, the buyer can &#8220;waive&#8221; the seller&#8217;s declaration if the seller is unable to provide it.<br \/>\nThe buyer voluntarily accepts the transfer of the property without the ten-year policy and releases the former owner from the obligation to take out a ten-year policy.[\/bohe_carousel_son][bohe_carousel_son contentheader=&#8221;&#8221;]<strong>What is the purpose of an OCT?<\/strong><br \/>\nThe main task of the OCT is essentially to review the construction project and to control the process of execution of the works. The benefit for the project developer is that it is an element of prevention and leads to a higher quality of construction. The vast majority of insurance companies require the OCT to be in place before the works begin.[\/bohe_carousel_son][\/bohe_carousel_father][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1689408451288{background-color: #d1d1d1 !important;}&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider&#8221; css=&#8221;.vc_custom_1690021033902{background-color: rgba(100,90,132,0.67) !important;*background-color: rgb(100,90,132) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son color=&#8221;rgba(46,40,47,0.45)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>We speak your language<\/em><\/p>\n<p>We advise you in your mother tongue.[\/superbalke_son][superbalke_son color=&#8221;rgba(46,40,47,0.45)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Advice<\/em><\/p>\n<p>Your insurance tailored to your needs.[\/superbalke_son][superbalke_son color=&#8221;rgba(46,40,47,0.45)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Experience<\/em><\/p>\n<p>Many years of experience in the Spanish insurance market.[\/superbalke_son][superbalke_son color=&#8221;rgba(46,40,47,0.45)&#8221; produkt_link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221;]<\/p>\n<p><em>Throughout Spain<\/em><\/p>\n<p>We offer service throughout Spain.[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;more details&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-down&#8221; align=&#8221;center&#8221; link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221; el_class=&#8221;bohe-open-weitere&#8221;][vc_btn title=&#8221;close&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-up&#8221; align=&#8221;center&#8221; link=&#8221;url:%23|title:Car%20insurance|rel:nofollow|&#8221; el_class=&#8221;bohe-close-weitere&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1680328550118{background-color: #d1d1d1 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column][vc_row_inner el_id=&#8221;contact-forms&#8221;][vc_column_inner width=&#8221;1\/2&#8243; el_id=&#8221;anfrage&#8221;][vc_btn title=&#8221;Calculate offer&#8221; shape=&#8221;square&#8221; color=&#8221;btn-weiter-small&#8221; align=&#8221;center&#8221; button_block=&#8221;true&#8221; el_class=&#8221;bohe-anfrage-open&#8221; link=&#8221;url:%23|title:Calculate%20offer|rel:nofollow|&#8221; css=&#8221;.vc_custom_1689408469796{margin-bottom: 0px !important;}&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243; el_id=&#8221;termin&#8221;][vc_btn title=&#8221;Arrange appointment&#8221; shape=&#8221;square&#8221; color=&#8221;btn-weiter-small&#8221; align=&#8221;center&#8221; button_block=&#8221;true&#8221; el_class=&#8221;bohe-termin-open&#8221; link=&#8221;url:%23|title:Arrange%20appointment|rel:nofollow|&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;forms-newdetails&#8221;][vc_column][vc_row_inner el_class=&#8221;form-back&#8221;][vc_column_inner][vc_raw_html el_class=&#8221;getform&#8221;][\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;anfrage&#8221; el_id=&#8221;tripetto_115&#8243;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;termin&#8221; el_id=&#8221;tripetto_47|booking_ten-year-insurance&#8221;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; content_placement=&#8221;bottom&#8221; css_animation=&#8221;none&#8221; el_id=&#8221;bauversicherungen&#8221; el_class=&#8221;super-balke-container-big&#8221;][vc_column][vc_row_inner el_class=&#8221;super-balke-slider quer&#8221; css=&#8221;.vc_custom_1689408692581{background-color: rgba(100,90,132,0.67) !important;*background-color: rgb(100,90,132) !important;}&#8221;][vc_column_inner][superbalke_father slides=&#8221;4&#8243;][superbalke_son numbericon=&#8221;one&#8221; produkt_link=&#8221;url:%23this|title:Ten-year%20insurance|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Ten-year insurance<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;two&#8221; produkt_link=&#8221;url:%2Fen%2Fbusiness-customers%2Fowner-developer-liability%2F|title:Owner%2Fdeveloper%20liability|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Owner\/developer liability<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;three&#8221; produkt_link=&#8221;url:%2Fen%2Fbusiness-customers%2Fcomprehensive-building-insurance%2F|title:Comprehensive%20building%20insurance|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Comprehensive building insurance<\/em>[\/superbalke_son][superbalke_son numbericon=&#8221;four&#8221; produkt_link=&#8221;url:%2Fen%2Fbusiness-customers%2Fconstruction-liability-insurance%2F|title:Construction%20liability%20insurance|&#8221; color=&#8221;rgba(46,40,47,0.45)&#8221;]<em>Liability of architects<\/em>[\/superbalke_son][\/superbalke_father][vc_btn title=&#8221;back to construction insurances&#8221; shape=&#8221;round&#8221; color=&#8221;btn-circle-left&#8221; link=&#8221;url:%2Fen%2Fbusiness-customers%2Fconstruction-insurances%2F|title:Construction%20insurances|&#8221; el_id=&#8221;this&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1672325931059{background-color: #d1d1d1 !important;}&#8221; el_class=&#8221;dunkel details-footer&#8221;][vc_column][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1679998572191{background-color: #f4ebd0 !important;}&#8221; el_class=&#8221;dunkel&#8221;][vc_column]<div class=\"wpb_content_element footer-line dunkel\">Didn't find what you were looking for? <a href=\"\/en\/contact\/\" class=\"bohe-weiter\">Write to us<\/a><\/div>[vc_custom_heading text=&#8221;Our insurance companies&#8221; font_container=&#8221;tag:h3|text_align:center&#8221; link=&#8221;url:%2Fen%2Four-insurance-companies%2F|title:Our%20insurance%20companies|&#8221; el_class=&#8221;heading-size-3&#8243;]\t\n\t\t<div id=\"gs_logo_area_1\" class=\"gs_logo_area gs_logo_area_1 slider1\" style=\"opacity: 0; visibility: hidden;\">\n\t\t\t<div class=\"gs_logo_area--inner\">\n\t\n\t\t\t\t\n<div class=\"gs_logo_container gs_carousel_swiper gs_logo_fix_height_and_center\" data-carousel-config='{\"direction\":\"horizontal\",\"speed\":500,\"isAutoplay\":true,\"autoplayDelay\":2000,\"loop\":true,\"pauseOnHover\":true,\"ticker\":false,\"navs\":false,\"navs_pos\":\"bottom\",\"dots\":false,\"dynamic_dots\":true,\"slideSpace\":10,\"slidesPerGroup\":1,\"desktopLogos\":5,\"tabletLogos\":3,\"mobileLogos\":2,\"reverseDirection\":false}'>\n\n\t\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/dkv-seguros-mallorca-versicherungen-salud-gesundheit-espana.png\" class=\"gs-logo--img wp-post-image\" alt=\"DKV seguros Mallorca\" title=\"1-DVK\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div 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-->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/allianz-seguros-mallorca-versicherung-auto-coche-spanien.png\" class=\"gs-logo--img wp-post-image\" alt=\"Allianz seguros Mallorca\" title=\"4-Allianz\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2023\/07\/alc_logo.png\" class=\"gs-logo--img wp-post-image\" alt=\"ALC global health seguros Mallorca\" title=\"ALC global health\" \/>\n\t\t\t\t\t<!-- Logo Title -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<!-- Logo Category -->\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"gs_logo_single--wrapper\">\n\t\t\t\t<div class=\"gs_logo_single\">\n\n\t\t\t\t\t<!-- Logo Img -->\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"170\" src=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/Arag-Seguros-Mallorca-Versicherungen-Spanien-Rechtsschutz-Defensa-Juridica-300x170.png\" class=\"gs-logo--img wp-post-image\" alt=\"Arag seguros\" title=\"Arag\" srcset=\"https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/Arag-Seguros-Mallorca-Versicherungen-Spanien-Rechtsschutz-Defensa-Juridica-e1743351683908.png 300w, https:\/\/bohemia-mallorca.com\/wp-content\/uploads\/2022\/11\/Arag-Seguros-Mallorca-Versicherungen-Spanien-Rechtsschutz-Defensa-Juridica-768x436.png 768w, 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