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- What Is A New Build Warranty?
- Who Are The New Build Home Warranty Providers?
- How Common Is The NHBC Buildmark Warranty?
- Defects Insurance Period
- Structural Insurance Period
- How Long Do New Build Warranties Last?
- What Do New Home Warranties Not Cover?
- Be Careful of The Small Print – ‘A’ Rated vs Unrated
- Warranties For Self-Builders
- What Do I Do If I Spot A Defect?
A building or structural warranty is essentially an insurance policy for newly built homes. It’s almost impossible to sell a home without one as all mortgage lenders require a 10 year structural warranty. Although it’s taken out by the builder or developer it is there to protect you, the buyer (and your mortgage lender). The type of warranty typica...
The most common new home warranty in the UK is the National House-Building Council (NHBC)’s Buildmark Warranty. There are around a dozen other warranty providers and these include Local Authority Building Control (LABC), Premier Guarantee, Checkmate, Buildsafe, Protek and Global. Nearly all warranty providers require developers to sign up to a cons...
The NHBC Buildmark warranty is by far the most common, covering 70-80% of the new build market. If you are the first owner, you will be covered from the date of exchange of contracts.
In the majority of cases, during your first two yearsin the home, if there are issues with the work the builder has done, such as the windows letting in rain because they’re not sealed properly or the heating not working because the pipes are faulty, the builder is obliged by the warranty provider to come and fix them. Make sure you get your convey...
During the structural insurance period years 3-10, the builder is only responsible for major problems with the structure of the house. This includes foundations, the external render, roofs, ceilings, chimneys and load-bearing parts of the floors. Smaller ‘defects’ are now your own responsibility. This includes non-structural defects such as problem...
Typically, building warranties for new homes in the UK last for 10 years but this can be increased to 12 or even 15 years in certain cases and by certain providers. They usually start on the day of practical completion of the property but not always. It’s best to check your paperwork.
Understandably, natural wear and tear isn’t covered by a new home warranty. Neither is weather damage or any problems resulting from you not maintaining your homeadequately. Damp and condensation may be covered but only if they have occurred as a result of the builder’s failure to comply with the warranty provider’s standards (in other words, if it...
As all warranty providers are acting on behalf of insurers, they may not always be as willing to carry out (and pay for) remedial work. As is always the case with insurance, the small print is key. Make sure you read all of the warranty documentationand question anything that doesn’t seem quite right. Insurance providers are rated according to thei...
If you are building your own homeyou might need to look at specialist new build warranty providers, as NHBC, Premier Guarantee and LABC do not offer products to self-builders. A self-builder should make sure they have an all risk policy or site insurance during the build and a 10-year structural warranty issued on completion. Self-build Zone is one...
Make sure you contact the builder as soon as possible. Keep a record of all communication including dates and times of telephone calls. This will be needed if there are problems with getting your builder to address the issue. LABC, Build-Zone and Premier Guarantee warranty policies have a £1,000 excess. This means you’ll pay the first £1,000 of eac...
Oct 5, 2021 · You can use a range of different types of lighting to highlight period features within your property, such as picture rails, cornices, beams, archways or original built-in cupboards – including wall lights, picture lights, floor lamps and table lamps.
- Cotswold 3 Barnwood Point, Corinium Avenue, Gloucester, GL4 3HX, England
- 020 7351 3003
New build homes in the UK often come with a warranty, which is essentially an insurance policy that covers certain defects in the building work. These warranties are designed to give homeowners peace of mind and protection against structural problems.
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Mar 10, 2020 · Ten years is the standard period for most warranty policies, with the first two years being defects warranty and the remaining term being structural cover. Although backed by the warranty, builders are initially responsible for putting right defects affecting new homes.
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We only use A-Rated Insurers, which gives you the comfort you are buying a product with the long-term, financial security you require. The Build-Zone New Home Warranty is approved by the majority of Lenders in the UK and recognised industry-wide.
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