The insurer has made me an offer. Should I accept it?

The decision is yours. The analysis of the case compares the offer with the real cost of the repairs, based on the documents. If the offer covers that cost, there is nothing to fund.

The builder has been liquidated. Is it too late?

Not necessarily. If the builder was insured, a direct action against its insurer (article L. 124-3 of the Insurance Code) remains possible after liquidation.

What if the debtor is insolvent?

The analysis checks the debtor’s solvency and the enforcement measures available before any funding. If recovery looks impossible, the opinion says so.

How much does the analysis of my case cost?

The eligibility test and filing are free. A funding request then triggers the analysis of the case, charged €1,500 excl. VAT, that is €1,800 incl. VAT. You receive a written report and a funding opinion, favourable or unfavourable. The fee pays for the analysis work: it is due whatever the opinion.

Insurance and enforcement.

An insurer refuses to cover a loss, a builder leaves defects unrepaired, a debtor does not pay the judgment against it. Hello Justice pays your lawyer’s fees set in the agreement, and is paid from the sums recovered, only in the event of success.

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What we fund.

Against an insurer or a debtor who resists, proceedings often last several years. Without funding, many people accept a low offer, or give up enforcing the decision they obtained.

Denied cover
Your insurer refuses to cover a loss, or offers an amount that does not cover the damage.
Construction defects
Defects compromise the structure of a building or make it unfit for use.
Unpaid judgment
You obtained a court decision, but the debtor does not pay.

Legal grounds and case law.

The statutes and court decisions these cases rely on.

French Civil Code, art. 1792 et seq.: Ten‑year liability: for ten years from acceptance of the works, builders are presumed liable for damage that compromises the structure or makes it unfit for its purpose.
French Insurance Code, art. L. 242-1: Building damage insurance: the insurer pre‑finances the repairs, within the statutory time limits of sixty and ninety days set by this article.
French Insurance Code, art. L. 124-3: Direct action: the injured party can sue the liable party’s insurer, including after the insured company has been liquidated.
French Code of Civil Procedure, art. 145: Before any trial, the court can order an expert assessment to record the defects or the loss. It is often the first step of the proceedings.
French Code of Civil Enforcement Procedures, art. L. 111-2: A creditor holding an enforceable title for a liquidated, due claim may pursue forced enforcement against the debtor’s assets.

What the analysis checks.

A specialised partner lawyer analyses the eligibility of each case. Not all cases are retained.

A documented loss, defects that can be recorded, or a court decision already given.
At least €100,000 at stake.
An insurer on the other side, or a debtor whose assets can be located: accounts, property, shareholdings.
For the ten‑year guarantee, works accepted less than ten years ago.

What you pay.

The terms of your case are those of the signed agreement.

Your case.
Outside the Swiss‑franc loan programme.
€1,500 excl. VAT
The case analysis, that is €1,800 incl. VAT, due whatever the opinion. You receive a written report and a funding opinion.
- Eligibility test and filing
  Free
- Proceedings
  Hello Justice pays your lawyer’s fees set in the agreement
- If the case succeeds
  14 to 30% incl. VAT of the sums recovered
  Hello Justice takes its commission depending on the type of case, at a rate set in the agreement.
- If the case fails
  Nothing to repay to Hello Justice
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Illustrative data

Frequently asked questions.

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Yes. With your enforceable title, your lawyer starts the enforcement measures, carried out by a commissaire de justice (judicial officer). Hello Justice pays your lawyer’s fees set in the agreement, and its commission only applies to the sums actually recovered.