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Frequently Asked Questions

What is a Building Warranty?

  • A Building Warranty is an insurance product which pays for the cost of rectifying defects to the building which are covered under the policy.
  • A building warranty is also referred to as a Latent Defects Policy.

How long does a warranty last?

  • 10 years from Building Regulation Completion Certificate, but some Commercial policies may be 12 years.

Why should I buy a warranty?

  • Most Mortgage Lenders in the UK will require a Structural Warranty to be in place before they lend money to either purchase a property (that is under 10 years old) or to refinance an existing loan.
  • A warranty adds value and saleability to property assets by reducing the uncertainty of costs if there are structural problems during the warranty period.
  • Peace of mind. 

How do I obtain a 10 year warranty?

We use a very simple 8 step application process

  1. Initial enquiry
  2. Written indications and then completion of warranty providers proposal form
  3. Written quotation(s) for 10-Year Warranty
  4. Payment of all survey fees/premium
  5. Structural Survey/Technical Audit(s)
  6. Confirmation of terms of warranty and advice of any remedial works
  7. Payment of balance premium
  8. Policy implementation

How long will it take to get a warranty?

This will vary depending on your particular project. As a guide:

For New Housing

  • The property(s) are monitored throughout the build process and the warranty is available at practical completion.

For Completed Housing

  • On average 15 working days from initial enquiry to implementation of the policy.

Mortgage Lender Requirement?

  • All the mainstream mortgage lenders require a structural warranty to be available when a property is sold at less than 10 years old.