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BOE-A-2026-20824 ·7 October 2026 ·otro Low impact
Administrative

Insurers and developers: qualified electronic signatures admitted for decennial insurance verification by Notaries and Registrars

This Instruction clarifies that certificates or policies for decennial insurance required by the Building Management Act (LOE) may be digitally signed (II). To be valid before Notaries and Registrars, these documents must include a Secure Verification Code (CSV) or QR code, maintain signature integrity in PAdES/PDF format, and use certificates issued by a Qualified Trust Service Provider (Second). The objective is to facilitate the electronic processing of new build deeds and works completion certificates.

In 3 key points

  1. Warranty certificates or certificates of entry into force may be digitally signed (Second). (Segundo)
  2. The document must include a Secure Verification Code (CSV) or a QR code for verification (Second.a). (Segundo.a)
  3. The agreed deductible has a maximum of 1 per 100 of the sum insured per registry unit (I.b.6). (I.b.6)

How it affects those involved

For insurance companies, the use of qualified electronic signatures is validated for issuing certificates of validity and policies, provided they include a CSV for verification (Second). Developers and builders can expedite the obtaining of new build deeds by electronically sending the PDF directly to the notary (Third). Notaries and Registrars must accept these digital documents provided they meet the format and qualified issuer requirements (Second).

Lifecycle

2026-10-07PublishedPublished in the BOE
Official text Based on BOE data (boe.es). Information, not advice.

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This analysis is informational only and does not constitute legal advice or create a client-adviser relationship. BMC.
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