Disasters have been the subject of movies since the time of the silent film right up to the mega million pounds Hollywood blockbusters of today.
In any disaster movie there is a certain set of circumstances that always occur. Firstly normal everyday life is thrown into disarray by a catastrophe of some sort, that is often caused by human error. Next you see the main characters involved in the plot struggling with the physical and emotional impact of the event. The other thing that you always find in a disaster movie is a hero. Someone or something that comes along and saves the day in the end for a happy ending.
In many ways this scenario is a lot like what happens in the case of a structural defect in a new home. A crack appears in the wall of a new home for instance, and structural insurance comes to the rescue and provides the necessary repairs or rebuilding work.
The structural defect can be caused by human error such as a fault in the architect design, the building contractors method of construction, it could even be down to a fault in the materials or using the wrong materials for the job.
Either way, no matter what the cause, the structural defect can be a catastrophic event with worrying consequences.
Homeowners who suffer a structural fault can face significant repair bills with the average cost estimated to be £42,000. This sort of money would decimate the savings of most families or even mean they had to take out a loan to put the faults right.
If that wasn't bad enough, as the building would be unsafe to inhabit the family would also face the prospect of temporarily relocating until work could be completed.