Bonjour, The insurance is called "dommage ouvriage" (not sure of spelling) costs a fortune, and takes time, BUT it will get your project back on track and then sue the insurance company of the contractor. If you have this insurance, it will be the best money you've ever spent. Takes YEARS to collect on a claim (92) normally. Our situation, it took months, but the mason had gone bankrupt - to avoid paying their VAT-scam, but the coverage kicked in and paid fairly and quickly. I hope that helps.