There are many possible causes of structural flaws, but they often start with defective design and workmanship. For example, an architect could make a mistake in their building plans, an engineer could make a miscalculation, or a contractor could purchase the wrong materials for the project.
Whether the plans are accurate or not, the construction workers can also be careless, either on purpose or by accident. Failing to follow proper procedures and installing things incorrectly can lead to countless issues, such as weak spots in the walls, uneven flooring, and unstable foundations.
Of course, all homes need to comply with building regulations for residences and local planning permissions, but any person or even several people can overlook an error at any point in the process. It’s also possible for this to happen later if you make further structural alterations.
This is just one reason why diligent structural inspections are important. When your property has a structural building warranty, part of the package involves a chartered surveyor inspecting the site at regular intervals during the build, which makes it more likely for mistakes to be discovered earlier.
Other frequent causes of latent structural defects include the following:
Improper ventilation and insulation can cause structural materials, like the mortar between bricks, to expand and contract with changing temperatures and airflow. This causes cracking and eventual destabilisation – as can climbing plants and invasive weeds, if they get a foothold in the masonry.
When you see your home every single day, you may not pay close attention to small changes. On the other hand, since you know what it’s supposed to be like, you might notice a defect right away when there’s a crack in the wall that shouldn’t be there or your windows won’t open properly anymore.
No matter if you’re a particularly observant person or not, you should periodically check both the inside and outside of your house for signs of structural damage. At least once a month or so, do a thorough visual inspection of the exterior and interiors to look out for the following problems:
These are just some of the most frequent visible signs of structural failure. While it’s normal to see small hairline cracks as a house settles over the years, large and long horizontal cracks and vertical cracks that follow a ‘staircase’ pattern are an urgent warning, as they’re signs of structural erosion.
If you notice the first hints of any of the above, don’t just ignore them or try to work around them. Filling in gaps, painting over cracks, and adjusting hinges won’t fix the underlying defects, which will only continue to get worse. It’s crucial to identify the source and tackle it promptly and completely.
The last thing any property owner wants is to discover a latent defect that requires expensive repair work. Even if the damage isn’t your fault, you’ll still have to foot the bill yourself if you don’t have a contract that holds the responsible parties liable – unless you have a structural warranty to rely on.
If you begin to notice signs that something is wrong with your structure, don’t brush them off. You could be putting yourself or others in danger – both physically and financially. The steps you’ll need to take depend on how long it’s been since the completion certificate was issued for the property.
When it’s been less than 2 years from the date of completion, you’re still in the defects insurance period. This means you should be able to report defects directly to the builder/contractor, who is obligated to conduct the necessary repairs during this time and recoup costs via their own insurance.
If it’s been more than 2 years, but less than 10 years, you’ll be in the remaining structural insurance period. During these 8 years, the policy only covers serious latent structural defects, and you must submit a claim through the provider – like ourselves at Architects Certificate – instead of contacting the builder. The terms of your warranty will specify which defects you can claim for and the amount.
Unfortunately, without a structural building warranty in place, your options are limited and likely to be pricey. You can either pay for assessments and repairs yourself, or take the party you believe to be responsible to court (e.g. a builder or architect) – in which case, you’ll have to supply evidence proving their liability and negligence, and arrange legal representation, none of which will be cheap.
If you don’t have a building warranty to fall back on, you can still hire an expert to conduct a one-off structural inspection. They should be able to identify the defects and their probable causes, explain what must be done to fix them, and provide a report that can help you with organising repair work.
The sooner you uncover a defect and take action, the less money, time, and stress it should involve to put it right. If you are buying or selling a new property and need a structural warranty, or you already have a policy with us, you can get in touch with the ABC+ Warranty team on 0161 928 8804.
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