Ten-Year Insurance for Housing Projects in Colombia
As of July 1, 2025, the Ten-Year Structural Insurance policy is mandatory nationwide for new housing projects. This policy protects homeowners for 10 years against structural collapse or threat of collapse due to structural defects, in accordance with Law 1796 of 2016 and Decree 282 of 2019.
Why is the Ten-Year Construction Guarantee important? It protects the buyer of a new home, as it covers the financial losses suffered by the property in the event that the building collapses, perishes, or threatens ruin, as a result of an act attributable to the builder, designer, or seller of the property.
How can we help you with the Ten-Year Insurance?
At Donau Seguros, we offer the support you need to protect your assets against structural risks in your housing project. We work with the best insurance companies in the country to provide you with the most competitive rates and expert guidance throughout the entire process.
The Ten-Year Insurance covers damages caused by design errors, construction deficiencies or material failures that affect structural elements such as foundations, beams, load-bearing walls, slabs or supports, compromising the stability and resistance of the building.
With Donau Seguros, you secure your project with confidence, legal compliance and technical support.
¿Qué cubre el Seguro Decenal?
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Structural damage due to errors in design, materials, soil or construction.
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Temporary lease expenses (up to 1.5 SMMLV for 12 months).
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Debris removal and demolition.
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Technical studies to determine the origin of the damage.
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Additional coverage for urban planning and damages to third parties.
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Material damage to the building.
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Repair and reinforcement costs.
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Costs of vulnerability analysis studies.
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Material damage to finishes or non-structural elements.
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Demolition and debris removal costs.
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Expenses related to temporary leases.
Who does the Ten-Year Insurance apply to?
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New housing projects with a license filed since July 2025.
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Social Interest Housing (VIS), Priority Housing (VIP) and Non-VIS.
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Mixed projects that include residential units.
What are the benefits of the Ten-Year Insurance?
✅ You comply with Law 1796 of 2016 and Decree 282 of 2019, protecting the assets of homebuyers.
🛠️ You ensure independent technical supervision of the project, as required by current regulations.
💰 You access favorable financial and technical conditions, allowing you to meet the decennial guarantee without affecting your cash flow.
👷♂️ We guide you throughout the entire process, from quotation to policy issuance.
📄 We help you gather and review technical documentation, avoiding rejections or delays.
🧠 We have an expert and dedicated team, ready to address your concerns quickly and clearly.
⚡ Fast and timely support in case of claims, with technical and legal assistance.
🛡️ Backed by insurance companies supervised by the Financial Superintendence of Colombia.
🌍 Supported by international reinsurers with strong financial ratings.
📈 You enhance your reputation as a builder by delivering homes with 10-year structural backing. 🚀
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Frequently Asked Questions about Ten-Year Insurance
Do you have questions about Decennial Insurance?
Here we share the answers to the 30 most common questions. At Donau Seguros, we guide you through the entire process and work with the best insurance companies in the country to offer you the best rates and technical support.
Contact us via WhatsApp at +57 313 5664998 or email segurodecenal@grupodonau.com
1. What is Decennial Insurance?
It is a mandatory policy that protects homebuyers against structural damages for 10 years. Donau Seguros advises you to obtain it safely.
2. Since when is Decennial Insurance mandatory in Colombia?
Since July 1, 2025, for all new housing construction licenses. Donau Seguros helps you comply with this regulation.
3. What does Decennial Insurance cover?
Structural damages caused by design errors, materials, construction, or soil issues. It also includes rental expenses, demolition, and technical studies.
4. Who must purchase Decennial Insurance?
The builder or project developer. Donau Seguros supports you throughout the entire process.
5. What happens if I don’t purchase Decennial Insurance?
You would be violating Law 1796 of 2016 and Decree 282 of 2019. Donau Seguros helps you avoid penalties and protect your project.
6. What types of projects require Decennial Insurance?
All new housing projects with licenses filed from July 2025 onward. Donau Seguros provides free guidance.
7. Does Decennial Insurance apply to social housing (VIS)?
Yes, it applies to VIS, VIP, and non-VIS housing. Donau Seguros has experience in all segments.
8. What documents are required to get a quote?
Application form, project description, geotechnical studies, plans, timeline, budget, and license. Donau Seguros helps you gather them.
9. Which insurers offer Decennial Insurance?
Donau Seguros works with top insurers in the country, such as SURA, ensuring strong backing and competitive pricing.
10. What is the Technical Certificate of Occupancy?
It is the document that marks the start of the policy’s validity. Donau Seguros guides you to obtain it properly.
11. What is a risk of collapse?
It is deterioration that threatens habitability due to possible structural damage. Decennial Insurance covers it.
12. Which structural elements are covered?
Foundations, beams, load-bearing walls, slabs, supports, and other elements affecting building stability.
13. What happens if I sell the property?
The insurance is automatically transferred to the new owner. Donau Seguros explains how it works.
14. How long does Decennial Insurance last?
It has a 10-year term starting from the Technical Certificate of Occupancy.
15. What backing does the insurance have?
It is backed by insurers supervised by the Financial Superintendence and international reinsurers.
16. What is the insurance pre-agreement contract?
It is a prior agreement that defines the conditions for issuing the policy. Donau Seguros helps manage it.
17. What does the insurance cover in case of a claim?
Structural damages, rental expenses, technical studies, demolition, and debris removal.
18. What exclusions does Decennial Insurance have?
Damages due to misuse, later modifications, or external causes such as fires or earthquakes. Donau Seguros explains each detail.
19. How is the insured value calculated?
Based on reconstruction cost, including direct and indirect expenses. Donau Seguros helps estimate it.
20. What are the benefits of working with Donau Seguros?
Expert guidance, best rates, technical support, and personalized service.
21. Is Donau Seguros an insurance company?
No, we are a specialized intermediary working with the best insurers in the country.
22. What happens in case of a claim?
Donau Seguros supports you throughout the claims process with the insurer.
23. What is the D.0 report?
It is the initial technical report that defines the project’s risk. Donau Seguros helps manage it.
24. What is the Risk Management Supervisor?
An independent technical supervisor who verifies the construction quality. Donau Seguros helps you select one.
25. What happens if I modify the construction license?
You must report it to the Risk Manager and the insurer. Donau Seguros advises you on the process.
26. What if the project has fewer than 5 units?
You can purchase the insurance voluntarily. Donau Seguros offers tailored options.
27. What if the project is mixed-use?
The insurance applies to the residential units. Donau Seguros helps define the coverage.
28. What if the project is in a geological risk area?
Additional studies are required. Donau Seguros advises you on the technical documentation.
29. What if I don’t have all the documents?
Donau Seguros helps you gather and validate them.
30. How can I contact Donau Seguros?
Message us on WhatsApp at +57 313 5664998 or email segurodecenal@grupodonau.com. We’re ready to help you. 🚀
