When do you need Completed House Warranty?
Even if your property is already built, it’s not too late to secure essential structural protection. Our Completed House Warranty is designed for homes that didn’t have a warranty arranged during the construction phase. It provides peace of mind for homeowners, developers, and buyers by covering major structural defects and ensuring lender compliance.
What do you need to know about Completed House Warranty?
A structural housing warranty can be issued even after the property has been completed. Issuing a retrospective building warranty certification under these circumstances is a more costly option as opposed to appointing a warranty provider from the beginning of a complete or partial rebuilding project because they could not oversee key phases.
In these circumstances, the warranty policy document issued is the same as if we had been involved from the commencement. Here at ABC+ Warranty, the protection of all parties is our number one priority, especially with a complete property structural warranty.
Higher Degree Risk Accepted
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 is no structural failure present.
We take a thorough approach before we hand out any form of retrospective completed housing warranty, and no retrospective warranty certification will be issued until all works have been satisfactorily completed and evidenced.
Can you get structural warranty for a Completed House?
Here at ABC+ Warranty, the answer is yes! We offer a specialist completed properties warrantty to give you reassurance.
If you’re still unsure about any aspect of a completed house warranty and any professional fees involved, 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’re the best people to contact with any enquiries you may have.
FAQ
Selling any property comes with its risks, but if you intend to sell a property that’s been built in the last 10 years and doesn’t have a structural warranty, it could be impossible for your buyer to have a mortgage approved.
Major mortgage lenders won’t agree to provide funds without a warranty that covers the property or excludes the buyer from liability for existing structural issues.
Completed housing structural 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.
If you have any queries or concerns, be sure toget in touch by calling 0161 928 8804 or emailing info@architectscertificate.co.uk – one of our experts will be more than happy to help with completed housing warranties!
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 for fixing them.
For the next three to ten years, the property developer is only responsible for major structural issues with the completed property.
This includes foundations, the external render, roofs, ceilings, chimneys, and load-bearing parts of the floors – anything smaller defects will be the buyer’s responsibility at this point, like problems with the gutters for example.
Your warranty won’t cover natural wear and tear, weather damage, or any problems caused by poor maintenance.
We have been recognised as the best architect certificates and structural warranty company in the UK. We monitor and certify the construction of thousands of residential and commercial properties all 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 and 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!
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 a completed housing warranty 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 retrospective building 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.
