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The layered liability regimes

📐 Article5 min read

What you will learn What separates the three regimes, why characterising a defect determines everything, what public policy changes, and the boundaries that are argued.

The same defect may fall under three different regimes depending on its seriousness and when it appears. Characterisation is no theoretical subtlety: it determines the limitation period, the burden of proof and the validity of clauses.

The three regimes

Patent defects Minor latent defects Ten-year
Nature of the defect visible on inspection slight, undetectable affecting soundness or stability
When revealed at acceptance after acceptance, in use within ten years
Basis effect of acceptance contractual provision of public policy
Adjustable by contract through reservations yes no

The dividing line between minor and ten-year is seriousness, assessed by reference to impairment of soundness or stability.

The dividing line between patent and latent is detectability, assessed by reference to careful and thorough examination by a normally prudent person in the same situation.

What public policy changes

Three consequences, all favouring the client. They follow from the public-order character of the ten-year regime.

No clause can exclude or limit ten-year liability. The Court of Cassation has held that a clause limiting the architect's liability to their share of the damage was, to that extent, contrary to public policy.

No waiver is valid. The client cannot validly waive reliance on patent defects that later manifest as serious defects.

The period is one of forfeiture, which can be neither suspended nor interrupted, save by proceedings on the merits or express acknowledgment of liability. An action merely seeking appointment of an expert does not interrupt it.

That last point is a frequent trap: bringing expert proceedings believing one is preserving one's rights does not preserve them.

What falls within ten-year liability and what does not

The distinction is decisive and regularly misapplied. It separates serious defects from ordinary faults.

Within it fall the structural works of immovable construction, and certain substantial immovable works.

Outside it fall finishing, maintenance and decoration works, and very localised repairs.

One frequent case deserves attention: water ingress. It may constitute a defect liable to endanger stability or soundness, but not systematically, and the courts assess strictly. Ingress does not mechanically engage ten-year liability.

The regime of minor latent defects

A distinct regime, often forgotten, yet the one covering most real situations. It concerns ordinary contractual liability.

Minor defects fall outside ten-year liability but not outside all liability. The majority case law holds that contractor and architect remain liable for them after approval, on a contractual basis.

Unlike ten-year liability, that regime may be adjusted by contract, notably as to duration. It is one of the points where contractual drafting has real effect, covered in the article on the clauses that protect.

A practical consequence: a client accepting a limitation of duration on minor latent defects reduces their protection on most ordinary defects, those not affecting stability.

The burden of proof

A technical point with considerable effects. It concerns the starting point of the periods.

Ten-year liability is not an automatic guarantee but a fault-based liability. The client must in principle prove an attributable construction defect.

A notable exception applies to defects of ground and materials, where it is accepted that architect and contractor owe an obligation of result, with a presumption of fault where damage occurs.

That is where the link with compliance with standards arises, developed in the guide on building regulations. The proof of diligence is explained there.

What this means for a professional

Four rules.

Characterise the defect before arguing the merits, characterisation determining the regime and hence the period.

Do not believe that expert proceedings preserve rights, only proceedings on the merits or express acknowledgment interrupting the ten-year period.

Draft the clauses on minor latent defects carefully, they being the only adjustable ones and covering most cases.

Do not equate water ingress with ten-year liability, the courts requiring impairment of soundness or stability.

This article reflects rules and case law at the date of checking and serves professional orientation. It does not constitute legal advice and does not replace assessment of the individual case.

Frequently asked questions

Ten-year liability for serious defects, the warranty for minor hidden defects, and ordinary contractual liability. They differ in duration and in object.

Yes, and three consequences follow, all favouring the client. In particular, it cannot validly be waived in advance.

Ordinary contractual liability, often forgotten yet the most frequently relied on. It covers breaches falling short of ten-year seriousness.

At acceptance, whose date therefore becomes a technical point with considerable effects. The starting point is documented in the record.

Contracts and liability in a Belgian construction project