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A Latent Defect is a defect that is not detected by ordinary inspection, but lies hidden until sometime later, when it’s discovered because it causes a problem that everyone can see. An example of latent defects would be weak concrete in part of a bridge column, that looks the same as strong concrete, but collapses when a heavy truck drives over the bridge.

Whose Responsible for Latent Defects?

The Contractor is responsible for any latent defects discovered during the first 10 years after the Engineer has issued the Final Approval Certificate. The Contractor will not be responsible for any latent defects discovered 5 to 10 years after issue of the Final Approval Certificate.

All latent defects have to be proven which means proof of Contractor negligence during the construction phase has to be clearly identified and proven. For example, a visible crack in a wall is not considered a latent defect unless it can be proven that it occurred due to the Contractor’s poor workmanship which couldn’t be identified at time of completion.

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Three ways to insure your plant

by Dan Payton | September 28, 2021 | Contractors All Risk, Plant All Risks, Plant Insurance | 0 Comments

Civilsure understands the importance and necessity of comprehensive plant insurance at a reasonable rate. We also know that you expect impeccable service and attention to detail at claims stage. That is why we are committed to helping you choose the correct plant all risk (PAR) for your business needs.

Are you ready for the summer shut down?

by Dan Payton | December 14, 2022 | Construction Liability, Contractors All Risk, News & Updates, Plant All Risks, Plant Insurance | 0 Comments

As a responsible construction company owner, you know the importance of insuring your plant and making sure that your other necessary policies are in place with CivilSure. But did you know that the number of instances of – and the size of – liability claims litigation is higher than ever, and climbing?

Construction of the Tallest Building in South Africa

by Dan Payton | July 8, 2014 | Contractors All Risk, News & Updates | 0 Comments

Read the history >> Construction of the tallest building in South Africa, the Carlton Centre. Built in 1973 and designed by architects Skidmore & Owens.

Build a foundation against liability claims litigation with construction liability cover

by Dan Payton | September 28, 2021 | Construction Liability, Contractors All Risk | 0 Comments

Determining The Value Of Your Plant

by Dan Payton | April 7, 2015 | Contractors All Risk | 0 Comments

To determine the value of construction plant we investigate Market Value, Fair Market Value, Replacement Cost, Replacement Value & Actual Cash Value

Don’t drop the wrecking ball now

by Dan Payton | December 6, 2021 | Construction Liability, Contractors All Risk | 0 Comments

Does a Construction All Risk Policy cover damage to surrounding property?

by Dan Payton | July 23, 2018 | Contractors All Risk | 0 Comments

Yes, damage to surrounding property is covered by a construction all risk policy, provided it’s included as an add-on to the Contract Works cover. This means an extra premium would be charged to get the specified surrounding property covered.

When a Disgruntled Employee Sabotages Your Structure…

by Dan Payton | October 15, 2015 | Contractors All Risk | 0 Comments

Does Contractors Liability on the Contractors All Risk policy cover damages to a structure, caused by a disgruntled employee’s pre-meditated sabotage?

Are your sites ready for shut down?

by Dan Payton | November 29, 2023 | Construction Liability, Contractors All Risk, Plant All Risks, Plant Insurance | 0 Comments

Now it the time to safeguard your site/s. As we approach the year-end festivities, it’s time to pause and prepare for potential risks that might impact both personal and professional environments. This information primarily targets contractors but holds significant...

How Does a Contractor Claim For An Extension of Time?

by Dan Payton | July 12, 2018 | Contractors All Risk | 0 Comments

A Contractor can claim for an extension of time, thus extending the Due Completion Date for a project. He can also claim for any costs which will increase due to being on site for longer (called time-related General Items).