Completion protection
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Completion protection and certificate for exemption from completion protection
If you are going to build a house or carry out measures requiring a building permit on your existing house, in many cases it is required that you obtain a so-called completion protection. Below we tell you more about what a completion protection is and when it is needed. In addition, we explain how you can get help from us at Konstruktionshjälpen to get help with a certificate for exemption from completion protection.
Create your Certificate of Completion Protection
Right now we offer free access to our comprehensive template to create your own Certificate of Completion Protection. This service won't be free for much longer, so take the opportunity to test it now. This template is designed to help you start your construction project without a completion protection. This template applies to simple one- and two-family housing projects.
Fill in information in our digital form. Once you have filled in all the relevant fields, a PDF of your Certificate of Completion Protection will be generated. This PDF is sent to your email address immediately after the form is filled out.
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What is completion protection?
A completion cover can either be insurance during the construction period or a bank guarantee. The purpose of the protection is to help you as a developer if, for example, your contractor goes bankrupt or for some other reason is unable to fulfill its obligations.
Completion protection in the form of insurance is also called completion insurance, completion insurance or construction defect insurance. Normally, the house manufacturer or contractor helps with all the formalities when taking out building insurance. It is also not unusual for them to offer additional services, such as new new construction insurance. However, only the completion protection is statutory.
Completion protection in the form of a bank guarantee is most common in shared contracting, where the developer procures the various contractors separately. Bank guarantees are then issued by the contractors' respective banks, with you as the client as the beneficiary.
Read also: When is a building permit needed?
Which costs are not covered by the completion cover?
Completion cover normally does not cover work that has not been carried out, even if it has already been paid for. Therefore, it is important that the agreement between the consumer and the trader stipulates that the contract sum is either paid in full when the work is finished, or as partial sums according to a payment plan. To avoid this problem, the payment plan can be performance-based, which means that the trader has the right to invoice a partial sum only when a certain work step has been completed.
Who pays for completion protection?
As the developer, you are responsible for signing and paying for completion protection. The client is the person who owns the property and orders the construction work. Completion protection applies to you as well who is to carry out the construction of your own house, a construction company that builds for sale or a condominium association that builds or renovates properties.
How do you apply for completion protection?
Send a request for a quote on completion protection to an insurance company of your choice. This is after you have chosen who will build the house. Then sign your insurance as soon as the contract is signed. Completion protection is also often a requirement in order for you to be able to receive your start notice and with it be able to start construction. Make sure you have your completion insurance arranged in time for your technical consultation, otherwise you may need to supplement at a later date.
How much does completion protection cost?
It is difficult to give an exact price for the cost of completion protection because the price is based on the scope of the construction. However, you can count on the completion insurance costing at least SEK 5,000. If you have hired a smaller craft company with a greater risk of bankruptcy, i.e. with poorer finances, the insurance may be more expensive. Some construction insurances cost over SEK 20,000. When buying turnkey houses or turnkey contracts, completion protection is usually included in the quote.
Do you have to have completion protection?
According to the Act on completion protection (SFS 2014:227), the protection is needed when a trader carries out certain works on detached houses on behalf of a consumer. The protection is therefore not needed for buildings that are not one- or two-family houses.
For single-family houses, completion protection must be available at:
New construction
Extension, if there is a need for such protection
Action that is subject to notification, if there is a need for such protection
New construction means construction of a new building or relocation of a previously erected building to a new location. An extension means a change to a building that involves an increase in the building's volume.
In the case of new construction of a single-family house that is not to be used for permanent use, the building committee can decide that completion protection is not needed. It is you as the developer who is responsible for ensuring that a completion cover is in place when it is required, but it is often signed by the trader/entrepreneur. If there are multiple contractors, completion protection is required for each contract.
Exemption from requirements for completion protection
There are certain possible exceptions to the requirement for completion protection in accordance with the Act on Completion Protection. Here are some situations where a completion protection can possibly be avoided:
Building on your own: If you are going to build yourself, in many cases, completion protection is not needed. This may apply to smaller projects where you yourself are responsible for planning, work and monitoring.
Payment in arrears: If you pay the builder in arrears after each completed part or stage of the project, the requirement for completion protection may be waived. This means that you assess each step of the work and make the payment only when you are satisfied with the result.
Special situations
There are situations where it can be difficult for you as a developer to arrange completion protection. One such example is if the work is to be carried out on an ongoing basis. Banks and insurers often want to limit the completion protection to a certain amount and therefore need to know the agreed price for the remedy. When working on a current account, the final price is not known when the completion cover is to be signed. Despite that, the trader should be able to provide an approximate price statement as a basis for the completion protection.
Most insurers and banks require a written agreement between you as the developer and the trader. It is therefore easiest to use a standard agreement for the construction or extension of one- or two-dwelling houses. If you do not want to enter into a written agreement with the trader, no completion cover can be taken out. The building committee must then decide not to issue a start notice. If the trader does not want to sign a contract with you, it may be a reason for you as the developer to choose another contractor. The same applies if the trader's bank cannot issue a bank guarantee.
The construction assistance will help you with certificates for exceptions to completion protection
If you build on your own or pay your contractors in retrospect after the project/stage has been completed, the municipality may decide that a completion protection is not necessary. The Design Assistant will soon be able to help you create a unique and project specific Completion Protection Exemption Certificate. More information about our service will be available shortly.
You know that we can also help with building permit drawings , construction drawings and energy calculations .
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What is good to know before building?Detailed plan and property regulations The first step in your building project is to determine if your property is subject to a detailed plan and to understand its requirements. The detailed plan regulates, among other things, permitted building size, building use, height, number of floors and often distance to property boundaries. New construction map If you plan to build a new residential building, you need a new building map. Remember that there should be undeveloped land to produce one, so be sure to order it well in advance. Beach protection If your planned construction is close to the sea, lakes, rivers, streams or similar bodies of water, you must apply for an exemption from shoreline protection. Separate Sewer If your planned construction project is in an area without municipal water and sewer, you must have a permit to install a separate sewer. Other Permissions In some cases, additional permits may be necessary, for example permits for connection to a public road and/or notification of boreholes for geothermal heating. Read more about this in our blog post: the building permit process: How an application for a building permit works
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What do construction terms such as client, contractor, control plan, control manager, new construction map and situation plan mean?Builder The person who plans to build or has someone else build for them, which is most likely you! The developer is responsible for ensuring that the building meets the applicable regulations and technical requirements and that sufficient control is carried out during the construction process. The developer is also responsible for following the terms of the building or demolition permit. Contractor The main contractor is usually the company that carries out the construction. There may also be subcontractors who handle various parts of the project, such as ground and foundation work, electrical installations, plumbing work, painting work and more. Control plan and Control person Every construction project, regardless of size, must have a control plan. In more complex cases that require technical consultation, the control plan usually contains several control points. An inspection plan must clearly state what is to be inspected and against which criteria. Therefore, it is important to have a technical description or construction drawing with instructions for how the construction should be carried out. The inspection manager, often referred to as "KA", helps the client to ensure that the applicable regulations are followed and that the necessary checks are carried out to meet the technical requirements that society places on the construction project. The inspector must be certified and have an independent position in relation to the person performing the work to be inspected, i.e. the contractor. New construction map It shows everything that may be relevant to the processing of the building permit case, including the exact dimensions of the property (plot), the boundaries of the building right according to the detailed plan, existing buildings, elevation curves, any ancient monuments, VA connection points and neighboring streets and more. The new construction map is the basis for the situation plan, which must be attached to the building permit application for new construction. Situation plan The situation plan shows the plot from above with property boundaries and any existing buildings. It must clearly indicate where on the plot a building is to be placed or built. In the case of new construction, the location must be specified with measurements from two adjacent property boundaries.
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When do I need a demolition permit?If the building you intend to demolish or dismantle is located within a detailed planned area, you are usually required to apply for a demolition permit. Before starting the demolition or dismantling work, you must obtain this permit. If the building you wish to demolish or dismantle is outside a detailed planned area, it may be necessary to make a notification and obtain a start notice before you start the demolition work. Normally, ordinary supplementary buildings to one- or two-dwelling houses without historical or cultural historical value can be demolished without making a notification.
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What is a control plan?An inspection plan is a document you must draw up when a project that is subject to notification to the municipality is to be carried out. These control points help the developer to quality-assure their project and the controller usually handles this document, if a controller is not present in the project, the developer can perform it. Read more about this in our blog post: What is a control plan and when is it needed?
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What can I build on the land, if no detailed plan exists in the area?If you live in the countryside, you are usually able to extend your existing house or build an addition without having to apply for planning permission, provided that the addition does not exceed 1/3 of the total building area of the main building and does not exceed 33 square meters.
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When do I only have to make a building notification?When you elaborate something that is not subject to a building permit, you may still have to apply for a building notification, see some examples below: Demolition of a building or part of a building that is not an accessory building and is outside an area that is detailed planned. Making changes to a building that significantly affect load-bearing structures or the floor plan. Install or make substantial changes to fireplaces or flues. Install or make substantial changes to elevators or devices for ventilation, as well as water supply and drainage. Make changes to a building that significantly affect fire protection. Maintain a building with special conservation value that is subject to protection regulations according to the detailed plan or area regulations. Build a new wind turbine or make significant changes to an existing one.
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What can I build without a building permit and building notification that already has an existing one- or two-dwelling house on the plot?Frigge sheds with a total area of no more than 15 square meters and a height of up to 3 meters from the ground to the roof ridge. Screen roofs with a total area of no more than 15 square meters. A protected patio, wall or plank with a height of 180 cm and extending 3.6 meters out from the main building to protect the patio. Facade changes, such as painting work, replacement of facade cladding or roofing. However, it is important not to change the character of the building or area. If you live in a house or area of particular historical, cultural, environmental or artistic significance, you must apply for planning permission. Read more on our blog post: When is planning permission needed?
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Do I need a building permit for an attefallshus complementary dwelling house?No, planning permission is not normally required for an Attefallshus. However, you must register and receive a start notice before starting the construction process. Other conditions include that there must be a one- or two-family house on the property. The building must function as an independent complementary building to the main building and can be used both as a permanent residence and as a holiday home. There are exceptions regarding: If you plan to build near an area of historical, cultural, environmental or artistic value or near an existing residence, planning permission may be necessary. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for a conservatory/enclosed patio?Yes, in most cases a building permit is required to build a conservatory/enclosed patio. There are exceptions to this, see below: If the conservatory has a maximum built-up area of 30 square meters and is detached, it may possibly be covered by the rules for Incident Measures. Building area is defined as the external area of the building body. If the conservatory has a maximum gross area of 15 square meters and is connected to the residential building, it may possibly fall under the rules for Incident Measures. Gross area is defined as the external surface of the building body per floor. If you build in two floors with 7.5 square meters per floor, the gross area will be 15 square meters. If you live in an area that does not have a detailed plan and is not part of a cohesive development, you may be able to build up to 1/3 of the building area of the main building, with a maximum area of 33 square meters. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for an optional extension?No, planning permission is usually not required for an extension to your house with a surface area of no more than 15 square metres. However, you must register and receive a start notice before you can begin the construction process. This is the exception: If you are planning an extension to a house or in an area of particular historical, cultural, environmental or artistic importance, planning permission may be necessary. Contact the building permit officer for further information. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for a balcony/terrace?Planning permission is not usually required to build a patio or terrace, but this depends on how you plan to build. A patio or terrace that is directly on the ground does not normally require planning permission. Important to note: A balcony or terrace only refers to the actual "floor area" including any railings. If you intend to build in or glass your terrace or patio, different rules apply. A building permit is not required to build a patio or terrace if your project meets the following criteria: There must be an existing one- or two-dwelling house on the plot. The balcony or terrace must be connected to a one- or two-dwelling house or an additional dwelling house. The balcony must not exceed a height of 1.8 metres. The balcony may not extend further than 3.6 meters from the residential building. If the balcony is placed closer to the plot boundary than 4.5 metres, written consent is required from the neighbours. If the plot borders public land, such as a street, park or cycle path, the balcony must not be placed closer than 4.5 meters from that border. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for a wall?Yes, in most cases you need to apply for planning permission if you intend to build a wall that is higher than 0.5 metres. Important to note: At exits and street crossings, it is necessary that walls, planks or fences do not exceed a height of 80 centimeters to ensure a clear view. The same applies to hedges. These are exceptions: If you plan to build a wall around a sheltered patio at a one- or two-dwelling house, a building permit is not required. This wall may be a maximum of 1.8 meters and should be located within 3.6 meters of the residential building. If the wall is to be placed closer than 4.5 meters from the plot boundary, written consent is required from the neighbours. If the wall is to be built closer than 4.5 meters to a public place, such as a street, park or cycle path, a building permit is always required. If you live in an area that lacks a detailed plan and is not part of a cohesive development, you can build a wall without applying for planning permission. The wall should be placed directly adjacent to the residential building, for example around an established garden, and at least 4.5 meters from the plot boundary. If the wall is to be placed closer than 4.5 meters from the plot boundary, written consent is required from the neighbours. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for a carport?Yes, if the garage or carport is larger than 30 square meters, you normally need to apply for planning permission. These are the exceptions: If the garage or carport is less than 30 square meters, it may be classified as a detached house, accessory building. In that case, you do not need a building permit, but you must make a notification before you can start the building process. If you live in an area that is not master-planned and is not part of an integrated development, you can build a garage or carport that is no more than 1/3 of the building area of the main building, with a maximum area of 33 square meters, without applying for planning permission . Read more on our blog post: When is planning permission needed?
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Do I need planning permission for additional construction?No, normally no building permit is needed for an Attefallshus. However, it is required that you make a report and receive a start notice before you can start construction. An important prerequisite is that the building is an independent complementary building to the main building, for example a garage, carport, storage room, guest house, wood shed, greenhouse, sauna or boathouse. This is the exception: If you plan to build near a house or in an area of particularly high historical, cultural, environmental or artistic value, planning permission may be necessary. Contact a building permit officer for further information. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for a fireplace?No, planning permission is not normally required to install a new stove or fireplace. However, you must register and receive a start notification before the installation can be carried out. You need to register for the following installations: Installation of a new stove or fireplace. Installation of a new chimney or replacement of flue and chimney. Note that the chimney should extend over the ridge and be at least 1 meter above the roof covering. Exchange of a stove for a new one that is not comparable to the previous one in terms of type of fireplace, size and effect. Installation of an insert stove in a fireplace. Replacement of the burner in an existing boiler, for example when changing from an oil burner to a pellet burner or similar. This is the exception: For a chimney that is placed on a building that is considered particularly valuable, planning permission may be required. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for a plank/fence?Yes, you normally need to apply for a building permit if you want to build a plank or a fence that is higher than 1.2 meters. Important to know. At exits and street crossings, walls, planks and fences must not be higher than 80 centimeters to ensure a clear view. The same applies to hedges. These are the exceptions: Mesh fences or sparse trellises and pergolas without a tight roof do not require planning permission Trellis that has an airy construction with transparency of at least 80 percent. This means that a maximum of 20 percent of the surface may be made of dense material, such as wood, which cannot be seen through. If you are going to build the plank/fence around a protected patio at a one- or two-dwelling house, no building permit is required. The plank/fence may be a maximum of 1.8 meters high and must be placed within 3.6 meters of the residential building. If the plank/fence is to be placed closer than 4.5 meters from the plot boundary, the neighbors must give written approval. If the plank/fence is to be built closer than 4.5 meters from a public place, for example a street, park or cycle path, a building permit is always required. If you live in an area that is outside the detailed plan and is not part of a cohesive development, you may build a plank/fence without a building permit. The plank/fence must be placed near the residential building, but at least 4.5 meters from the plot boundary. If the plank/fence is to be placed closer than 4.5 meters from the plot boundary, the neighbors must give written approval. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for a canopy?Yes, you normally need planning permission to build a canopy. This is the exception: A building permit is not needed if the canopy is a maximum of 15.0 square meters in size. Read more on our blog post: When is planning permission needed?
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Do I need planning permission for solar cells?No, normally a building permit is not required to install solar cells or solar collectors on the roof of a one- or two-dwelling house. These are the exceptions: If you plan to carry out the installation on a house or in an area of particularly high historical, cultural-historical, environmental or artistic value, planning permission may be required. A building permit is usually required for installations in an apartment building. Read more on our blog post: When is planning permission needed?
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How many days does it take to get construction drawings delivered?For a single-family house, construction drawings can be delivered in 5-10 working days, depending on whether all documentation is submitted.
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How long does it take to get building permit drawings delivered?For a single-family house, building permit drawings can be delivered between 3-7 working days, depending on whether all documentation is submitted.
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How long does it take to apply for a building permit?When the municipality has received a complete application with all the necessary documents, then they are obliged by law to give you a decision within ten weeks. If it cannot meet this commitment, you are entitled to a reduced fee for planning permission. Processing times are often longer in the spring and early summer because many people apply for building permits before the summer season. A wise strategy is to submit your application well in advance of the planned start of construction. Others have the opportunity to appeal against your granted planning permission within four weeks of receiving the decision. If no one appeals, the building permit becomes legally binding. Read more on our blog post: When is planning permission needed?
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How much do construction drawings cost?It is difficult to give an exact price for construction drawings, as the price varies depending on the scope of the project and the need for drawings and calculations. You will receive an exact price when you contact us for a tailored quote. The quote also covers all the drawings and services you need. You can also get a price proposal using our quote estimator. Enter information about your project into the tool and get an instant cost estimate. For us, it is important that you can easily make a well-informed decision and gain financial clarity. We ensure that all drawings are ready in good time before they are reviewed by the Technical Council. Let Konstruktionshjälpen handle your project and solve the complicated aspects of the building permit process for you.
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How much do building permit drawings cost?The price can vary depending on who you hire and what kind of project it is, the range can be anything between SEK 3,000-16,000 for a standard detached house. Read more about this in our blog post: What does a building permit cost? Review who you choose to hire, what you will have delivered and the time for delivery. It is important that you choose a consulting company that has insurance and that an agreement is signed similar to ABOK-09. You can also get a price proposal using our quote estimator. Enter information about your project into the tool and get an instant cost estimate. For us, it is important that you can easily make a well-informed decision and gain financial clarity.