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Home Builder Warranty

A home builder warranty, also known as a structural warranty, structural insurance or latent defects insurance, is a special kind of cover used for new homes.

Most new homes from builders like Barratt Homes, Taylor Wimpey and Persimmon will come with a two-year developer warranty period, and during this period of time the developer in question will be responsible for putting right any issues covered under the warranty.

Home builder warranty, is different to the two-year developer warranty typically offered on a new home by the builder, and instead is offered from a third party (such as CRL) and usually lasts for a period of ten years, with the issuing company responsible for any repairs needed from years 3-10.

The reason a home builder warranty is important is that structural defects in new homes can take time to become apparent, which means structural faults can appear after the two year developer warranty has expired.

Structural Defects Insurance

Should this happen, with the 10-year home builder warranty in place, the homeowner will be covered for the costs to repair or rebuild the faulty aspects of the property. Usually structural defects specialists will help protect you against things such as faulty building materials like lintels or steel supports, a faulty architectural design of the home that leads to structural problems, or issues such as land contamination.

It is important to always check exactly what you will be covered for.


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