Structural Defects Warranty are also sometimes referred to as Latent Defects Insurance or Building Warranties. A structural Defects Warranty protects against defects in newly built, refurbished or converted residential developments.

Having a latent defects warranty protects against potential costs of rebuilding or rectifying any issues or defects that could potentially arise after building is complete. These potential defects or issues could relate to materials used, damage to the building, design faults or workmanship as well as many other defects that can arise after a few years from completion. These issues can be a costly expense to rectify and so by having a structural defect warranty in place, you can be more prepared for the unexpected.

There are different kinds of Structural Warranties and policies including:
  • Commercial Warranties – This type of policy provides cover for commercial purpose buildings like schools, offices, warehouses and retail units.
  • Residential Warranties which include New home Warranties, Self-build Warranties, Social Housing Warranties
Structural Defects Warranty- What’s covered?

A structural warranty covers the costs of repairing or reinstating a property due to faults in the design, workmanship, materials, supervision, construction, installation or site preparation of a new building that remain undiscovered at the date of practical completion, but come to light afterwards by virtue of physical/major damage

Structural Warranty Insurance certificates generally last for 10 years on new build properties.

Structural Defects Warranty FAQs:

Is structural defects warranty compulsory?

The primary advantage of Structural Warranty Insurance is for the end user IE there is no need to establish who’s at fault or worry about expensive litigation costs in the event of structural defect. In addition, a structural warranty enhances the saleability of the property-  a vast majority of mortgage lenders and banks require a structural warranty in place before a mortgage can be provided.

What is termed as a structural defect?

Structural defect is defined as actual physical damage to a building or property.

What is the difference between structural defects insurance & latent defects insurance?

Structural Warranties are sometimes referred to as Latent Defects insurance, Structural Warranty, Self-Build Insurance, Building Warranties and Construction Insurance.

Is structural defect insurance transferrable?

Yes. It’s fully transferable.  When the development is sold, the remaining term of cover will transfer to the new owner.

What’s the process of obtaining structural defect insurance?

It’s simple- all you need to do is call us on 020 3701 0422 or fill in our enquiry form online

Once we have full information on the project, it will take 7-10 days to get quotes back from the insurance market.

Obtain a Structural Defects Warranty with Buildsafe

BuildSafe is the UK’s Leading Specialist Broker of Building Warranties and Development Finance.

BuildSafe’s experts have over 40 years’ experience in the property sector so you can be assured that we’ll handle your structural defects warranty requirement with good care. All our warranties are recognised by the Council of Mortgage Lenders and are accepted by all High-street banks.

At BuildSafe, we see our role as an independent advisor, who reviews the merits of each policy to help you make well informed comparisons. We also save you time in procuring quotes, analysing and comparing quotes, and negotiating the commercials. In addition we manage the warranty process throughout the build, handle the all-important inspections and key issuing of final certificates.

To speak with our specialist brokers call us on 020 3701 0422 or fill in our enquiry form online