What does a 10-year structural warranty cover?

Typically, it covers major structural elements like foundations, walls, and the roof. The first year or two might also cover non-structural defects, often called a 'defects liability period'.

Is a new-build warranty a legal requirement?

Yes, for most new homes sold or occupied in the UK, a 10-year structural warranty is a legal requirement as per the Building Safety Act 2022.

What happens in the first two years of the warranty?

During the first two years (the 'defects insurance period'), the builder is generally responsible for fixing most defects. If the builder fails, the warranty provider may step in.

What is not covered by a structural warranty?

General wear and tear, maintenance issues, damage from storms, contents, and non-structural elements like decoration or fixtures are usually not covered.

New-build structural warranty

Legal requirement

The short answer

10-year structural warranty for new homes

Price from: £1,200.00
Time on site: 15 to 30 minutes

What you get

You receive a certificate of structural warranty that covers the cost of repairing structural defects for up to 10 years.

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When do you need a New-build structural warranty?

A new-build structural warranty is a legal requirement in the UK for most new homes before they are sold or occupied. It is crucial for both buyers and lenders, providing essential protection and ensuring marketability.

What happens on the day

There is no physical 'on the day' visit from an insurer. The warranty is assessed and issued based on the build specifications and inspections during construction.

How to prepare

Know the full build cost of the property.
Have the developer's details ready.
Provide construction start and estimated completion dates.
Understand the property's type (e.g., house, flat, semi-detached).

How to improve your result

Choose a reputable builder with a good track record.
Ensure regular inspections are carried out during construction.
Keep all documentation related to the build and warranty safe.
Understand the specific terms and exclusions of your warranty policy.

Why it is useful day to day

Provides essential financial protection and peace of mind for new homeowners against costly structural defects for a decade.

Why we ask these questions

We ask about the property type, build cost, developer details, and construction start/completion dates to provide an accurate quote. This information helps us assess the specific risks associated with the build and ensure appropriate cover is arranged.

Frequently asked questions

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