Asseverators and 110% Superbonus: the need for adequate coverage

The 110% Superbonus seems to have given a strong acceleration to the construction sector and consequently also to the real estate market. The possibility of renovating the home and improving energy performance at zero cost has led many owners to consider this opportunity which was included in the Relaunch Decree. The 110% Superbonus is a tool which, by virtue of the results it is guaranteeing, could even become structural. However, to access it, it is necessary to satisfy a series of planning and fiscal constraints that are not at all easy to manage and this is why it is essential to contact qualified technicians such as architects, engineers and surveyors for the so-called certifications.

The role of monitors and their responsibilities

The Superbonus allows you to completely reduce the expenses necessary to renovate and improve home comfort as long as various design, technical and economic constraints are respected. It is the task of qualified professionals to ensure that these constraints are respected, including issuing a specific certification, called Asseveration. With this document the professional must certify compliance with the technical requirements of the intervention to be carried out and the adequacy of the expenses incurred.
But what happens if an error is made in the certification or false information is entered? The responsibilities will not only fall on the owner but also, and above all, on the professional who may incur heavy sanctions. To better manage the sworn statements and protect yourself from any problem, the best option is to protect yourself from the risks associated with adequate coverage.
In particular, the advice for technicians who intend to deal with sworn certifications is to take out a specific insurance policy that protects them from any problem.
Specific civil liability insurance coverage is required, such as that guaranteed by Lokky: the Asseveration RC policy.

What the law provides

In the Relaunch Decree it was indicated that the sworn person must shoulder the responsibilities relating to possible incorrect certifications or with false information. To protect the technician and consequently also the customer, the architect, engineer or surveyor who deals with the certification is required to take out a policy that is provided exclusively for the purposes set out in Legislative Decree 24/2020. Furthermore, reference is clearly made to some characteristics of the policy which must provide a maximum limit appropriate to the type of intervention being carried out and greater than 500 thousand euros.
It should be underlined that there are time constraints to avoid finding yourself with heavy criminal and administrative sanctions. In particular, the law indicates that tax audits can be carried out over a maximum period of 8 years. In addition, in the event that the owner of the property proceeds with the direct deduction of the Superbonus, the checks can be carried out within the fifth year of submitting the tax return. By doing some quick calculations, the advice is to choose insurance coverage that lasts up to 10 years to protect yourself from any problem.