A building warranty protects property owners from unexpected structural defects and construction-related issues. Whether you’re a developer, homeowner or buyer, making a claim under your building warranty may be the only way to avoid costly repair work in the future. However, many claims fail or are delayed due to simple errors that could have been avoided with the right approach.
Understanding how to handle the warranty claims process efficiently is essential. From missed deadlines to poor communication, we explore the five most common mistakes claimants make when dealing with building warranties and how to avoid them.
Mistake 1 – Missing Claim Deadlines
The problem
One of the most common reasons a claim is rejected is that it falls outside of the valid timeframe. Most building warranty policies have specific time windows during which certain issues must be reported. For example, cosmetic defects may only be covered in the first two years, while major structural issues might be covered up to ten or twelve years from the date of completion. Submitting a claim after the cut-off point, even by a few days, can render it invalid.
How to avoid it
To prevent this mistake, it’s important to maintain an accurate timeline of your warranty coverage. Record the exact start and end dates of the warranty period and make sure these are easily accessible. As soon as you notice a problem that could be covered, report it to your warranty provider immediately. Avoid waiting to see if an issue worsens or resolves itself, as any delay can compromise your entitlement to claim.
Mistake 2 – Incomplete Documentation
The problem
A strong claim depends on solid evidence. Many claims are weakened or dismissed because they lack essential documents such as photographs, inspection reports, receipts or proof of the defect’s impact on the building. Without a clear picture of what occurred and when, the warranty provider may be unable to process your claim properly or could decide the issue doesn’t meet their criteria.
How to avoid it
Start documenting potential defects as soon as they’re discovered. Keep a defect log that includes written descriptions, photographic evidence and any related communications with your builder or inspector. Where possible, include receipts or invoices linked to repairs or evaluations. If the problem evolves over time, take additional photos to demonstrate the progression. The more clearly you can present the facts, the more likely your claim will be approved.
Mistake 3 – Not Understanding What’s Covered
The problem
Not all problems are eligible under a building warranty. Each policy outlines specific inclusions and exclusions, and confusion over what is actually covered often leads to claims being submitted for issues that fall outside the warranty’s scope. For instance, general wear and tear, maintenance issues or minor cosmetic flaws beyond the two-year mark are rarely included.
How to avoid it
The best way to avoid wasted time is to read the policy documents thoroughly before submitting a claim. Pay close attention to the sections that detail what’s excluded and what responsibilities fall on the property owner. If you’re unsure whether your issue qualifies, contact your warranty provider and ask for clarification. This can help you understand what to expect and avoid unnecessary disappointment or delay.
Mistake 4 – Poor Communication with the Warranty Provider
The problem
A breakdown in communication can slow down the claim process or even result in rejection. Submitting incomplete information, failing to respond to requests or involving too many parties without clear coordination can create confusion and frustration. In some cases, a warranty provider may close a file if communication is insufficient or if updates are not provided within their response window.
How to avoid it
Appoint one individual to take charge of the claim from start to finish. This person should be responsible for gathering evidence, submitting documentation and responding to any follow-up queries. Try to provide comprehensive information from the outset and respond to requests in full and on time. Clear, consistent communication demonstrates cooperation and professionalism, which can make the process far smoother.
Mistake 5 – Attempting Unapproved Repairs
The problem
In the urgency to resolve a problem, it’s common for property owners or contractors to begin repair work without consulting the warranty provider. However, doing so can lead to the claim being denied, as it prevents the provider from verifying the nature and cause of the defect. Once the evidence is disturbed or removed, they may argue they are no longer able to assess liability.
How to avoid it
Do not carry out any repairs until you’ve notified the warranty provider and received written confirmation or approval. Allow them to conduct an inspection if needed, or to appoint their own contractors for evaluation. This ensures that your claim stays valid and that you remain eligible for reimbursement or remedial work under the building warranty.
Handle Warranty Claims the Right Way
Warranty claims are a vital safeguard against serious financial loss. By understanding and avoiding these five common mistakes, you can increase your chances of a smooth and successful outcome. Keep track of claim deadlines, document everything carefully, know your cover inside out, stay in regular contact with your provider and don’t act without approval.
Treating the building warranty claim process as a structured task rather than a last-minute emergency is the most effective way to ensure your investment is protected long after construction is complete.
For expert advice and guidance on structural protection, speak to Buildsafe about choosing the right warranty for your property.
