What does a builder’s warranty cover?

A builder’s warranty should offer homeowners and buyers peace of mind for ten years. Otherwise known as a structural warranty, this type of insurance ensures that any defects that are found, even several years after construction, will be fixed.

What’s covered by new home warranties?

If you buy your property off-plan (before construction begins), your new home warranty will offer slightly different cover than if you purchase your property once building work is complete. Should your developer become insolvent at any point before your property has been finished, you’ll have your deposit reimbursed by the provider of the structural warranty.

Aside from this, the same level of cover applies as if you bought the property after construction work was completed.

A 10 year structural warranty is usually split into two periods. The first period lasts for two years, and the builder must correct any issues that arise during this time. These could include your windows leaking or your heating system breaking down.

The second period lasts from years three to ten. During this period, the builder or developer is only obliged to rectify major structural problems. These include the foundations of your property, external rendering, load bearing floors and walls, and your roof. If any smaller complications arise during this time, such as issues with guttering, fixtures, and fittings, you’ll need to fix these yourself. The same goes for any problems occurring due to wear and tear, weather damage, or lack of maintenance.

For more information on what a 10 year structural warranty covers, read our guide here.

Are damp and condensation covered by a builder’s warranty?

Issues such as condensation and damp are only covered during years three to ten of a builder’s warranty if they are caused by the developer failing to comply with the standards set by the warranty provider. If this is the case, you should expect the builder to fix these issues.

What should I do if I’ve spotted a problem with my property?

It’s important to contact the builder as soon as you notice any defect in the construction work they’ve completed.

You should also keep a record of all your communications with them and the name of the person you spoke to, as well as the dates and times of any call-outs and the details of any work done. Ask them what the next step will be and make a note of it. This way, you’ll always have a record of what was agreed and who it was agreed with.

Who should take out a structural warranty?

The builder or developer of the property should take out a 10 year structural warranty. Under this warranty, the builder is the insured party and the owner of the property is the beneficiary.

If you’re a homeowner and your builder or developer does not take out a structural warranty, and you’d like to have one in place, it’s possible to take one out yourself.

Is a builder’s warranty worth buying?

A home builder’s warranty is absolutely worth buying, as it protects builders from ongoing liability as a result of any structural damages. It also gives homeowners and investors peace of mind, knowing that their investment is protected.

Get a free no-obligation quote today for a 10 year structural warranty for your new build, or for building work on your existing property. Call Architects Warranty on 0161 928 8804 or send us a message and a knowledgeable member of our team will get back to you shortly.

Published Date: 20th January 2022
Category: structural warranty



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