A structural warranty can be issued when the property has reached the stage of completion.
In these circumstances, the wording of the CML, now known as a UK Finance prescribed certificate, should not be amended. It’s important to note that the same liability remains in place for the issuing provider of the structural warranty to protect both the purchaser of the property and their mortgage lender. Here at Architects Certificate, the protection of all parties is our number one priority, especially with a completed house warranty.
The insurance company that underwrites the warranty of a completed property is accepting a higher degree of risk. Our Chartered Surveyors will carry out our full building condition survey and may request the opening up of any areas of concern to ensure that there are no structural issues present. We take a thorough approach before we hand out any form of completed home warranty.
When issuing warranty certification under these circumstances, this is a more costly option as opposed to appointing a warranty provider from the beginning of the building work.
No certification will be issued until all works have been satisfactorily completed and evidenced.
Speak to us for more information
If you’re still unsure about any aspect of a completed house warranty, then our team of experts are gladly on hand to assist. We have many years of experience in the field of structural warranties, so we are the best people to contact with any enquiries you may have.
Our surveyors hold at least one of the following qualifications.
Selling any property comes with its risks, but if you intend to sell a property that’s been built in the last 10 years that doesn’t have a structural warranty, it could be impossible for your buyer to get their hands on a mortgage.
Lenders won’t agree to provide funds without a warranty that covers the property, or excludes the buyer from liablity for existing structural issues.
Completed housing warranties are available but finding the most appropriate one for your property can be a daunting task, especially if you have no experience.
That’s where we come in.
Once the property is built, the warranty is split into two periods – the defects insurance period, which covers the first two years, and the structural insurance period which covers anywhere between three and ten years.
During the first two years, if your buyer experiences problems like windows letting in rain because they aren’t sealed properly or your heating not working because of faulty pipes, you will be responsible as the builder to fix them.
For the next next three to ten years, the property developer is only responsible for major structural issues with the property.
This includes foundations, the external render, roofs, ceilings, chimneys and load-bearing parts of the floors – anything smaller defects will be the buyers responsibility at this point, like problems with the gutters for example.
Your warranty wont cover natural wear and tear, weather damage or any problems cause by poor maintenance.
As recently awarded best architect certificates and structural warranty company in the UK, we monitor and certify the construction of thousands of residential and commercial properties right across the country.
Our surveying history began over 30 years ago, and since then the team has provided tens of thousands of satisfied clients with their award-winning services and products.
Our customers can rest assured that they’ll receive high-quality support that meets their needs, that doesn’t burn a hole in their budget.
So that you can organise your finances more effectively, we’re also able to offer flexible stage payment plans at no extra cost!
To top it all off, we guarantee to beat any other genuine quotation, click to request yours here!
You can also apply for a 10 Year Structural Warranty after completion. However, the same rules apply for completed house warranties to be acceptable to lenders – i.e. no changes to wording.
This means that a Structural Warranty will still only apply from the date of completion, no matter how long you wait to get the certification afterwards. It’s worth securing this cover as soon as possible, so you don’t have to worry about structural issues and repair costs from the beginning.
However, we recognise that this is not always possible, so we’re here to help with the delayed application cases, too. Even if you already had a post-completion inspection, we will thoroughly survey the building when you apply for a completed home warranty upgrade.
Our lengthy auditing process ensures that we’re confident in the abilities of our chartered surveyors to administer certificates on completed properties. We will not issue a warranty until we are completely sure that all the appropriate standards have been met – even if this means requesting further corrective work.
This is part of the reason why a post-completion warranty can be more expensive than applying for one in advance. You won’t be able to get a certificate if your build and our inspections can’t comply with the original terms of the warranty, upholding the official wording as prescribed by UK Finance.
If this isn’t possible, then the warranty cannot be issued, as it wouldn’t be legally valid. Therefore, banks and building societies are less likely to accept such an amended or unfulfilled document. This doesn’t mean that you’re stuck if the work is already complete – we promise that we’ll do our best to help.