Structural Warranty

A Structural Warranty, also known as a Latent Defects insurance is an insurance policy designed to protect against structural defects in newly built or recently converted buildings. Cover is provided for a 10 or 12 year period as requested by the customer and is in force from the date of the building control completion certificate.

A structural warranty will provide protection against structural defects in either workmanship or the risk of failure with construction materials. Without an approved warranty in place mortgage lenders may not release funds, delaying the sale of your property.

Our award-winning ABC+ Building Warranty covers all types of properties from residential to commercial, newly built to converted, mixed development schemes to single dwellings, housing associations to self-builders.

Please remember that our quotations are less expensive if we are appointed prior to commencement of works.

We can also certify property retrospectively or if appointed part way through the project works. In these circumstances, our quotation will be slightly more expensive as we may not have had an opportunity to inspect some of our key areas of construction.

ABC+ Building Warranty offers to beat any other genuine quotation that you may have received from another provider such as NHBC, Premier, LABC, Protek, Advantage Warranty, Checkmate, BLP or the LABC.

Unlike any other warranty provider, you can commence with our 6 Year CML, now known as UK Finance Professional Consultants Certificate (accepted by most banks and building societies) and if a particular lender or purchaser prefers a 10 year Structural Warranty, we simply upgrade that property to our ABC+ 10 Year Structural Warranty Certificate

We do not require:- Membership fees OR Holding bonds and best of all our certification can be issued within minutes.

Get our indicative QUICK QUOTE in minutes or call our offices to discuss your building project tel. 0161 928 8804

ABC+ Warranty is a unique, trade-marked system for Architects Certificates and Professional Consultants Certificate Ltd 2017.

For a full list of Approved lenders please click here

This is our own Warranty product. We don’t need to search the whole of the market for other providers products as we know that our ABC+ Warranty offers the best value for money.

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What is a Structural Warranty?

A Structural Warranty, also known as Latent Defects insurance, is an insurance policy designed to protect against structural defects in newly built or recently converted buildings.

The warranty itself is bought by the developer or builder of the project, but it’s meant to protect the end user of the property during the first 10 years after completion.

Why do I need a Structural Warranty?

A structural warranty will provide protection against structural defects in either workmanship or the risk of failure with construction materials.

Without an approved warranty in place, mortgage lenders may not release funds, delaying the sale of your property.

What does a Structural Warranty include?

A Structural Warranty covers defects in the building and design of a construction project, as well as any defects uncovered in the materials used in the build.

An insurance provider will usually carry out scheduled checks of the build at different stages to inspect for any defects.

While the stages when these technical audits are carried out can differ, they’re usually done during the laying of the foundations, the building of the main structure, the pre felt and batten of the roof, the pre plaster of any interior walls, and finally at completion of the project.

Inspectors will be looking for any signs of degradation (such as cracks in the walls or structural issues with the foundation) to ensure the structure will be safe.

Our award-winning ABC+ Building Warranty covers all types of properties from residential to commercial, newly built to converted, mixed development schemes to single dwellings, housing associations to self-builders.

What does a Structural Warranty cover?

Getting a Structural Warranty for your project will cover you against a number of issues that could arise in the future, such as:

  • Costs to fully or partially rebuild a building as a result of structural defects, and the costs to fix any defects within a property that are attributed to defects in the design and build of a property, or any defects discovered in the materials used for the projects
  • Costs to rectify damage caused by water as a result of problems with the design, build or materials used in a project
  • Costs associated with fixing issues caused as a result of the drainage system built as part of the construction project
  • Insolvency of the developer (if requested at the quotation stage)
  • Defects insurance for a period of up to 24 months after practical completion
  • Structural insurance after 24 month have elapsed from practical completion 
  • Contaminated land cover
  • Alternative accommodation costs
  • Fees
  • Removal of debris

If you would like to find out more information about what structural warranty includes read our guide here.

As well as this it can also be used to cover the following (depending on the individual provider and policy):
  • Deposit protection in the event the developer goes bankrupt
  • The cost of removing contaminated land from the development plot
  • Cover in case the property (or parts of it) were not built in proper compliance with buildings regulations

How long does a structural warranty last?

Cover is provided for a 10 or 12 year period as requested by the customer and is in force from the date of the building control completion certificate.

What doesn’t a Structural Warranty cover?

A Structural Warranty will protect you from risks caused by defective work or materials, but there could be building issues that arise after a project is completed that won’t be covered by a warranty.

These include:

  • Alterations/ change in colour/ consequential loss
  • Defects in existing work/ humidity/ Japanese knotweed
  • Maintenance and use/ personal injury/ prior knowledge of defects
  • Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons
  • Settlement/ sonic bangs/ special perils/ subsidence
  • Toxic mould/ vermin/ war and terrorism risks
  • Water table/ wear and tear/ wilful acts

As well as the above, defective workmanship in the first 2 years after completed works aren’t covered..

This is known as the Developer Liability Period.

During the first 2 years it is the responsibility of the developer/contractor to rectify defective workmanship.

When should I buy a Structural Warranty?

Ideally you should have a Structural Warranty in place before any building work takes place, this ensures that the project has been supervised through every stage of development and will cover you comprehensively.

However, it is possible to get a Structural Warranty once the building work has started, but this will make the cost more expensive.

If you don’t have a Structural Warranty in place, we’d recommend you get one as soon as possible.

If your property is for residential use, it can make it nearly impossible to sell or secure a mortgage against a building without a Structural Warranty.

This is because many banks require one to assess the integrity of the build before they’ll release any funds – at least for buildings under 10 years old.

Do you need a Structural Warranty for an extension?

If you’re just adding an extension to an existing property then you might not need to get a Structural Warranty – especially if the property is older than 10 years old.

You will still need to get a site survey and ensure the build complies with local building regulations – you may also need to get planning permission from the local authority.

Is Structural Warranty Compulsory?

No.

Under UK planning and building laws there is no requirement to get a Structural Warranty.

But, having said that, the majority of lenders will expect you to have one before they’ll sign off on a mortgage.

It can also make it extremely difficult to sell a house that’s under 10 years old without a Structural Warranty.

This is typically the case regardless of whether you’re building property for commercial or residential purposes.

If you’re building commercial property on finance, lenders will usually require you to have a Structural Warranty in place before the start of the project.

How much does a Structural Warranty Cost?

The cost of a Structural Warranty will differ depending on a few factors, like:

  • The type of build
  • The individual provider
  • The stage of development you get a warranty
  • The experience of the main contractor/developer

One thing that will immediately make your warranty more expensive, is delaying until after the project has started.

This is because inspectors will want to have oversight on the project from the concept stage. 

If they’ve not signed off the drawings or materials, they won’t have the same level of confidence.

ABC+ Building Warranty offers to beat any other genuine quotation that you may have received from another provider such as NHBC, Premier, LABC, Protek, Advantage Warranty, Checkmate, BLP, One Guarantee  or the LABC.

Get your Structural Warranty from ABC+

Your Building Warranty is an important piece of insurance when undertaking any type of construction and building project, so you need to get it from a trusted source.

At Architects Certificate we’ve worked on tens of thousands of residential and commercial property projects through the UK and can provide one of the most cost-effective Structural Warranties on the market.

Unlike other providers, we don’t require membership fees OR Holding bonds and, best of all, our certification can be issued within minutes.

Get our indicative QUICK QUOTE in minutes or call our offices to discuss your building project tel. 0161 928 8804

ABC+ Warranty is a unique, trade-marked system for Architects Certificates and Professional Consultants Certificate Ltd.

For a full list of Approved lenders please click here

This is our own Warranty product.

We don’t need to search the whole of the market for other providers’ products as we know that our ABC+ Warranty offers the best value for money.

Our Latest Reviews

  • David Lake ★★★★★
    I found the staff at ABC+ to be courteous throughout my engagement with them. They took on board my disability and were flexible in their approach in order to achieve a satisfactory outcome. I cannot fault their professionalism … More and their respond time was excellent.
  • Lee Snailham ★★★★★
    John, Andrew, Mark and the team all responded quickly and very professional for our retrospective 10 year guarantee requirements - thank you all and happy to recommend
  • jayjay9210 ★★★★★
    I cannot recommend ABC+ more highly. In a very grey world of deeming a converted victorian flat a new build property they have taken their time and patience to help me understand everything and exceeded my expectations on … More everything they said start to finish. Every single member of staff I spoke to was absolutely excellent. In the process of finding a product I spoke to at least 3 other competitors and was let down time and again after a lengthily process with overly complicated procedures. Lucky enough for me I was referred to ABC+ and not only will I be referring them to other developers, I will be using them shortly again too.

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