
New housing: the ten-year cover
For new housing, the builder or seller must cover the owners' patrimonial damages if, within ten years of the certificación técnica de ocupación, the building falls into ruin or threatens to through defects of construction, of the soil or of the materials (Ley 1796 de 2016, art. 8; Código Civil art. 2060 num. 3).
Decreto 282 de 2019 regulates how that cover is given (insurance, bank guarantees or other financial products). Ask the builder which one your home has.
