ENERGY AUDIT INSURANCE

ENERGY AUDIT INSURANCE RCP-RCE-RCD-RC PRO

The need to be accompanied…

The professional who begins in this branch must follow training, obtain certifications, take out a Professional Civil Liability insurance contract in accordance with the regulations in force, equip themselves with expensive equipment (balloon machine, thermal camera, etc.) and this represents a considerable financial effort. It is therefore essential to be well supported from the start so as not to make any mistakes and potentially find yourself without an insurance solution in the event of a challenge, which would mean an inability to practice your profession!

And well insured : Our insurance solutions for the field of real estate diagnostics are flexible and thus make it possible to address as many people as possible. The so-called standard contract is suitable for the majority of diagnosticians and covers the majority of common diagnostics; regulatory diagnostics, disabled access, the Boutin, Carrez law

This allows us to be aware of the constant developments and changes in this profession. With an increasingly wide range of controls to be carried out and high risks of contentious interpretation of reports, professional activity is becoming the bane of many insurance companies, too often going to the cash register...

Activ-Assurances has strived to get closer to competent and recognized professionals in the sector, such as training and certification organizations, business experts or even specialized networks... in order to be able to provide, in addition to our insurance solutions, exclusive RCP insurance, advice and broader support beneficial for everyone.

When should a regulatory energy audit be carried out? “Carrying out a regulatory energy audit is mandatory for all residential properties, individual housing and collective residential buildings belonging to a single owner, offered for sale and classified D, E, F or G with regard to the DPE according to the following schedule:

From April 1 ^, 2023 for housing classified F or G;
From January 1 ^, 2025 for E-classified housing:
From January 1 ^, 2034 for housing classified D.

Note that the goods concerned on April 1 ^, 2023 are those which will be the subject of a promise of sale as of April 1, ²⁰²³ or in the absence of the existence of a promise of sale, a deed of sale from April 1 ^, 2023.” (Source: Ministry of Ecological Transition and Territorial Cohesion Ministry of Energy Transition)

What are the auditor's obligations regarding independence?

Note that “Article L. 126-28-1 of the Construction and Housing Code specifies that the regulatory energy audit is carried out by a professional meeting specific qualification conditions. In addition, he must not have any link likely to undermine his impartiality and independence vis-à-vis the owner or the agent who calls on him.

More specifically, this person is required to take out insurance to cover the consequences of incurring liability due to their interventions. » (Source: Ministry of Ecological Transition and Territorial Cohesion Ministry of Energy Transition)

Insurance Energy audit

As an insurance broker for energy audits, we provide you with tailor-made answers. Note that we offer RC Pro energy audit insurance (RCP – RCE – RCD – RC Pro) for companies or self-employed persons wishing to carry out a consulting activity in Energy Audit ( OPQIBI 1911 Qualification / OPQIBI 1905 Qualification / OPQIBI 0607 Qualification / Qualification OPQIBI 1717 / Qualification QUALIBAT 8731 / LNE / AFNOR / Certibat ) and or regulatory Thermal Studies (RT2012 / RE2020). We offer insurance for incentive energy audits or insurance for regulatory energy audits. Our energy audit insurance is not limited to the Technical Study Office (BET), we also cover real estate diagnosticians. In addition, certain training courses will allow you to obtain the RGE label (Recognized guarantor of the environment) .

Ten-year RC

First, before choosing your insurance as an energy auditor, it is necessary to ensure that your activity falls within the scope of consulting and does not go beyond the scope of Professional Civil Liability. Otherwise, it will be necessary to move towards ten-year insurance in energy audit if the energy auditor participates in the act of construction. There is no doubt that some insurers will only offer you the possibility of taking out ten-year insurance without the possibility of taking out Pro Liability insurance alone. That being said, Activ – Assurances offers energy audit insurance for Pro RC or Ten-year RC depending on your activity even if you are doing AMOA (Project Management Assistance) limited to consulting. Please note that each CR energy audit file will be subject to approval by the insurer.

Energy audit activity

Finally, know that if you carry out energy audits or are considering getting into this activity. Since the decree of November 24, 2014 , your qualification to conduct an energy audit according to the NF EN 16247 standard is mandatory. Moreover, external auditors must comply with standard NF X 50-091. The training organizations are accredited by COFRAC (French Accreditation Committee). Energy audits can relate to individual houses or collective housing (tertiary and/or collective housing)

What is a regulatory energy audit?

“The regulatory energy audit was established by law no. 2021-1104 of August 22, 2021 on the fight against climate change and strengthening resilience to its effects , known as the “Climate and Resilience” law.

What is a regulatory energy audit?

Energy performance: First of all, the regulatory energy audit constitutes a detailed inventory of the energy and environmental performance of individual housing or collective residential buildings belonging to a single owner, the completion of which is mandatory when these housing consumes a lot of energy and/or emits a lot of greenhouse gases, and when these housing units are offered for sale. That said, it aims in particular to present proposals for work scenarios to improve energy and environmental performance directly adapted to the characteristics of these housing units or buildings, in order to allow their future buyers to consider the necessary renovation work. at the same time as their acquisition, just before or shortly after they move in.

Energy consumption: In addition, the regulatory audit thus provides an estimate of the conventional primary energy consumption and the induced greenhouse gas emissions of the individual dwelling or the collective residential building, before work, also presented under the form of labels identical to those of the Energy Performance Diagnosis (DPE). In addition, it includes work recommendations to improve energy and environmental performance, for each scenario. Also, it finally specifies the conventional energy consumption in primary energy and the induced GHG emissions after work. In addition, it specifies the estimate of the amount of the work and an indication of the financial aid that can be mobilized.

In any case, in application of the law, it also presents other information concerning the accommodation or the building, such as an estimate of the theoretical impact of the proposed work scenarios on the energy bill, information on the conditions ventilation, on summer comfort, on the treatment of interfaces during each stage of the work scenarios, or even on the control systems” (Source: Ministry of Ecological Transition and Territorial Cohesion Ministry of Energy Transition)