What is a structural warranty?

A structural warranty is a type of insurance policy that is designed to protect investors and homeowners from underlying structural defects that may arise following the completion of building work. Structural warranties are also known as latent defects insurance.

Here at Architects Certificate, we provide 10 year structural warranties to suit all types of projects.

Why do I need a structural warranty?

Whilst all might seem well immediately following the completion of your building work, structural defects can be made evident at any time in the years after the construction work finishes. It’s therefore best to have at least 10 years of structural warranty cover to assist with the expense of fixing any issues.

Whilst there is no requirement by law to get a structural warranty for any building work, the majority of mortgage lenders won’t sign off on a mortgage without one.

This will cause a delay to the sale of the property. Additionally, not having a structural warranty in place can make it very difficult for you to sell a house that’s under 10 years old.

Who needs a structural warranty?

The main reason that you should invest in a 10 year structural warranty is so that you will be able to sell your property once the building work is completed. Whether you’re a homeowner or a developer, having this insurance in place is the best way to ensure that your investment is protected. Here we explain how each of our types of clients could benefit from investing in a 10 year structural warranty.


From renovations and conversions to new projects, ABC+ 10 year structural warranties are designed to protect all potential risks.

Housing Associations

ABC+ have many years of experience working on large-scale housing association projects, making us your first choice for industry expertise and professionalism.


A 10 year structural warranty will help you to build your development efficiently and securely, whilst also developing consumer confidence in your company.

Self-Builders & Homeowners

Our personal service and industry expertise make us the ideal choice for structural warranties for self-builders and homeowners.

How long does a structural warranty cover structural damage?

You can get structural warranties that cover various lengths of time, but we recommend a 10 year structural warranty, as this will give you peace of mind that the cost of any defects will be covered for years to come.

What is covered under a structural warranty?

Getting a 10 year structural warranty for your building project will ensure that you’re covered against a number of problems that could occur in the future. These include:

  • The cost of fully or partially rebuilding as a result of structural defects. This includes the costs of fixing any defects within a property that arise as a result of defects in the designing and building of a property. It also includes any defective materials used for the building work.
  • The cost of rectifying damages caused by water egress as a result of problems with the design, building or materials that were used in a project.
  • Any costs associated with fixing issues that are caused as a result of the drainage system being built as part of the construction project.
  • Insolvency of the developer (only if this is requested at the quotation stage).
  • Defects insurance covering a period of 24 months following practical completion.
  • Structural insurance after 24 months have passed following practical completion.
  • The cost of alternative accommodation whilst repairs are conducted.
  • Contaminated land cover.
  • Fees.
  • Removal of building debris.

For more information about what is included in a structural warranty, read our guide here.

Contact us today about our 10 year structural warranty

If you need a structural warranty for your building project, get in touch with us today. Don’t delay until after your project has started, as the quote for the warranty will be less expensive if you appoint us prior to commencement. This is because the building inspectors will want to sign off on the drawings and materials from the concept stage. 

For a free, no obligation quote, give us a call on 0161 928 8804 or send us a message and we will get back to you shortly.

Published Date: 17th January 2022
Category: structural warranty



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