{"id":9381,"date":"2025-10-15T01:57:53","date_gmt":"2025-10-15T01:57:53","guid":{"rendered":"https:\/\/th-a.com\/seguro-decenal-und-oct-2\/"},"modified":"2025-10-15T20:27:47","modified_gmt":"2025-10-15T20:27:47","slug":"seguro-decenal-oct","status":"publish","type":"post","link":"https:\/\/th-a.com\/en\/seguro-decenal-oct\/","title":{"rendered":"SEGURO DECENAL- OCT"},"content":{"rendered":"

Seguro Decenal y OCT \u2013 Ten-Year Insurance and Technical Control Body<\/strong><\/h1>\n

The Obligation to Insure Structural Works in New Construction and Its Importance in the Property Market<\/h2>\n

\"\"<\/p>\n

The Seguro Decenal (Ten-Year Insurance)<\/strong> was introduced in Spain by the Ley de Ordenaci\u00f3n de la Edificaci\u00f3n (LOE, 1999)<\/strong> to protect buyers against serious hidden structural defects in buildings.<\/p>\n

Its objectives were to align Spanish legislation with European standards, strengthen the responsibility of building agents, and, after the construction scandals of the 1990s, curb speculative and low-quality practices.<\/p>\n

The insurance is a prerequisite for obtaining financing, the Licencia de Primera Ocupaci\u00f3n (First Occupancy Licence)<\/strong>, and registration in the Registro de la Propiedad (Land Registry)<\/strong>. There are exceptions for self-developers (autopromotores<\/em>), but only if the dwelling is not sold within the first ten years.<\/p>\n

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  1. What Is the Seguro Decenal?<\/strong><\/li>\n<\/ol>\n

    The Seguro Decenal<\/strong> is a ten-year warranty policy covering structural damage that could compromise the stability of the building.<\/p>\n

    In the event of such damage, the insurance company assumes the costs of repair or compensation, even if the construction company no longer exists.<\/p>\n

      \n
    1. Is the Seguro Decenal Mandatory?<\/strong><\/li>\n<\/ol>\n

      The insurance is legally mandatory in the following cases:<\/p>\n

        \n
      • For all new-build projects developed by a promoter and intended for sale.<\/li>\n
      • For dwellings sold to a third party within ten years of completion.<\/li>\n<\/ul>\n

        Although the law allows exceptions for self-developers, it is always recommended to contract the insurance, since if the dwelling is sold within the ten-year period, the notary will require proof of coverage.<\/p>\n

        Retroactive insurance is disproportionately expensive and is not always accepted in property transactions.<\/p>\n

          \n
        1. The Role of the OCT \u2013 Organismo de Control T\u00e9cnico (Technical Control Body)<\/strong><\/li>\n<\/ol>\n

          The Seguro Decenal<\/strong> requires prior supervision of the works by an OCT \u2013 Organismo de Control T\u00e9cnico (Technical Control Body)<\/strong>, responsible for structural quality control.<\/p>\n

          Functions of the OCT:<\/strong><\/p>\n

            \n
          • Before construction:<\/strong> review of structural drawings and the geotechnical report.<\/li>\n
          • During construction:<\/strong> inspection of all works affecting the structure (foundations, slabs, load-bearing elements). Any deficiencies must be corrected before proceeding.<\/li>\n
          • After completion:<\/strong> issue of a final report, which is an essential requirement for formalising the insurance policy.<\/li>\n<\/ul>\n

            The OCT provides an additional guarantee of quality for both the developer and the buyer.<\/p>\n

              \n
            1. Why Is the Seguro Decenal Important?<\/strong><\/li>\n<\/ol>\n
                \n
              • Without it, a dwelling cannot be sold during the first ten years after completion. Many notaries refuse to formalise sales when only a retroactive policy is presented.<\/li>\n
              • It offers buyers and owners strong legal and financial protection against serious structural defects.<\/li>\n
              • It provides an additional layer of independent quality control during the construction process.<\/li>\n<\/ul>\n
                  \n
                1. Organisation in Our Projects<\/strong><\/li>\n<\/ol>\n

                  In our projects, the contracting and coordination of both the OCT and the Seguro Decenal are managed through the Arquitecto T\u00e9cnico (Technical Architect \/ Aparejador)<\/strong> or the Project Manager:<\/p>\n

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                  • Selection and appointment of the OCT.<\/li>\n
                  • Coordination of inspections during construction.<\/li>\n
                  • Management of the necessary documentation for the insurance policy.<\/li>\n<\/ul>\n

                    Conclusion<\/strong><\/p>\n

                    The Seguro Decenal<\/strong> is both a legal obligation and an effective protection tool for developers and buyers when the construction company is no longer able to assume responsibility.<\/p>\n

                    The involvement of an OCT<\/strong> is not only a prerequisite for the insurance but also an added guarantee of quality that contributes to maintaining and increasing the resale value of the property.<\/p>\n","protected":false},"excerpt":{"rendered":"

                    Seguro Decenal y OCT \u2013 Ten-Year Insurance and Technical Control Body The Obligation to Insure Structural Works in New Construction and Its Importance in the Property Market The Seguro Decenal…<\/p>\n","protected":false},"author":1,"featured_media":8158,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":{"0":"post-9381","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-administrative-procedures"},"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t