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reprise du stock
Aug 19, 2013 14:49
10 yrs ago
36 viewers *
French term

assurance décennale

French to English Bus/Financial Insurance
This appears in an "attestation d’assurance de responsabilité décennale". I understand that assurance décennale is an insurance policy that a construction company takes out to ensure a home for ten years after construction, but is there a good English translation? Homeowner's warranty would probably be the closest, but (at least here in the US) that is usually for about a year, not ten.
Proposed translations (English)
4 +3 10-year insurance-backed warranty
5 +4 decennial insurance
4 defects insurance
4 -2 10 years guaranty insurance (decennial guaranty)
References
It is a specific statutory insurance in France
on the www, fwiw

Discussion

Peter LEGUIE Aug 19, 2013:
Tony This is what I found on scor.com :
"According to French, Italian, Spanish laws as well as laws in other jurisdictions, ten-year inherent defects insurance covers major structural defects and the collapse of a building for ten years after completion".
That is why it might be suitable not to shorten it when addressing an American public.
And "defects" is used twice.
Tony M Aug 19, 2013:
@ Peter Not quite sure where you found that, but I'm not too thrilled with it, I have to say. It's the 'defects' that bothers me in the first instance.
Peter LEGUIE Aug 19, 2013:
Tony I have gone a little further into this and it appears to be a shorter formulation of "ten-year inherent defects insurance" which is indeed not very concise.
Maybe this could be used as an answer' especially in US English.
Mary Holihan (asker) Aug 19, 2013:
Thank you, décennale by itself did yield some results, including ten year insurance (vague) and construction insurance. I think I will go with a combination and call it "ten year construction warranty insurance".
Peter LEGUIE Aug 19, 2013:
Asker I have also backtranslated this and it works. Try going onto "Linguee".
Tony M Aug 19, 2013:
Search tips If your whole expression doesn't return any results (and you are rather narrowing the chances by attempting that!), then picking one key word (or even a word stem) from that expression is likely to help (especially if you check the 'fuzzy diacritics' box).

It's also worth checking the 'also search reverse language pair' box, as very often an answer 'the other way round' can be more conclusive still.
If you search on "decennal", you will find at least 12 previous KudoZ that ought to help you.
Mary Holihan (asker) Aug 19, 2013:
I put the full term (attestation, etc.) and the term in the Proz search bar with no luck. I have searched Iate, word reference, etc. The only references (a great many of them) are, unfortunately, in French. As I said, I understand the concept but would like to find the best English equivalent. Thanks
Tony M Aug 19, 2013:
Glossary Did you try a term search? This term, or at least the notion of it, has come up before, and you may find the answer you are looking for in the previous question(s).

Proposed translations

+3
5 hrs
Selected

10-year insurance-backed warranty

Generic descriptive term, applicable anywhere, common in the US (see http://www.2-10.com/company-info/).

The requirement is, first and foremost, that there be a 10-year warranty -- and secondly, that the builder take out an insurance policy to fund it.
Reference:

http://portal.hud.gov/hudportal/documents/huddoc?id=hoctenyr.pdf‎

Note from asker:
Well, that hits the nail on the head, without being as cumbersome!
Peer comment(s):
agree Tony M : Good solution, esp. for the US
17 mins
And for the UK, Tony: http://www.benchmark-cert.co.uk/home-owners/jargon-buster/in... http://www.qanw.co.uk/
agree Sandra & Kenneth Grossman
10 hrs
agree writeaway : definitely not just US.
12 hrs
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4 KudoZ points awarded for this answer. Comment: "Perfect solution, Thank you, "
10 mins

defects insurance

I found a number of Google hits for this.
Peer comment(s):
neutral Tony M : All very well, but in many cases would be too vague.
16 mins
neutral writeaway : it's bypassing the French, not translating it.
58 mins
neutral AllegroTrans : it is indeed a defects insurance, but it's a specific statutory 10-year insurance under French law and this needs to be conveyed
2 hrs
That is what I mentioned in one of my discussion entries.
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+4
1 hr

decennial insurance

There is no exact UK equivalent of this cover, and it is normally referred to by this term in the insurance industry.
Peer comment(s):
agree Tony M
3 mins
Thanks!
agree AllegroTrans : Yes, and I would be tempted to add something like "statutory" or "obligatory" to reflect the nature of this
1 hr
Thanks!
agree philgoddard : See Allegro's reference and explanation.
1 hr
Thanks!
agree writeaway
8 hrs
Thanks!
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-2
2 hrs

10 years guaranty insurance (decennial guaranty)

,
Peer comment(s):
disagree Tony M : 'guaranty' would not be the right term in this specific context.
8 mins
Guaranty is in English word see the definition An agreement by which one person assumes the responsibility of assuring payment or fulfillment of another's debts or obligations.
disagree AllegroTrans : No it's not a "guaranty" it is a warranty which is not the same thing
40 mins
neutral philgoddard : This is fine, but it's not really any different to Neil's answer.
49 mins
neutral writeaway : it is definitely warranty in the context. we are all aware what a guaranty is, but in this case the right word is warranty
15 hrs
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Reference comments

3 hrs
Reference:

It is a specific statutory insurance in France

Answers.com > Wiki Answers > Categories > Business & Finance > Insurance > What is decennial insurance?
What is decennial insurance?
In: Insurance [Edit categories]
Answer:

Builder's liability and decennial insurance.

In France, the Civil Code gives a legal system for decennial liability: There are the articles 1792 & 2270.
This liability concerns all the builders (the contractors, the architects, the engineers and the manufacturers) and it applies to all types of construction works.

It is a strict liability for ten years from practical completion.

This liability targets structural or non-structural defects if works are "unfit for their intended purpose".
In addition, there is a guarantee of two years from practical completion of the works for building equipment defects.

The French insurance Code says that this liability must be insured by a compulsory insurance for building works, called 'dommages ouvrage'.

Moreover, all developers and owners must also take an insurance policy for the decennial damages. This coverage is called 'responsabilité civile décennale'.

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Note added at 3 hrs (2013-08-19 18:36:20 GMT)
--------------------------------------------------

Mary: I don't think you should worry too much about what an "American audience" will understand. You need in your translation to reflect the French "reality" and if your American reader (who is no doubt a professional) doesn't fully understand, then he/she will need to look some things up. Professional do this all the time, it's their job.
Note from asker:
Thank you, Allegro, for that fine reference. But frankly, I don't think an American audience would understand decennial insurance. In the US, we have a homeowners warranty, which is usually for a year, to cover things like the water heater not working after a while. (I guess we do not worry about the building falling down.) For this target audience, I think I will use builder's liability and ten year inherent defects insurance, based on all of the valuable information given here. Pretty wordy, but covers a concept that I think would not be otherwise understood.
Peer comments on this reference comment:
agree philgoddard : Thanks.
5 mins
thanks
agree writeaway : not just France. other countries have it too.
7 hrs
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18 hrs
Reference:

on the www, fwiw

NHBC Home - The UK's leading new home warranty and insurance ...
www.nhbc.co.uk/‎
NHBC is the standard setting body and leading home construction warranty and insurance ... Number one for new home warranties and insurance · Builders
‎
2-10 Home Buyers Warranty: Home Warranty Company
www.2-10.com/‎
2 YEAR SYSTEMS WARRANTY. 2-10 Builders Warranty. Close. Home builders usually provide homeowners. our 10-year, insurance-backed, new. construction ...

Quality Builders Warranty - 10 Year New Home Warranty Program
www.qbwc.com/‎
Warranty insurance for home builders and realtors with information for builders, buyers, agents and contact information.
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