PROTECT AGAINST BUILDING DEFECTS

CRL ARE A TRUSTED AND VALUABLE BUILDING DEFECTS INSURANCE SPECIALIST.

At CRL, we cover developments for 10 years against building defects for ten years. You don’t have to worry over potential latent and building defects in design, materials, workmanship, or other components.

What is Building Defects Insurance?

Building Defects Insurance is a mandatory requirement from UK mortgage lenders before they release funds for a property purchase if the house is new or under 10 years old.  Building Defects Insurance can also be known as Structural Warranty,  New Build Warranty, Self Build Warranty, Home Warranty or Construction Insurance.

What is covered by Building Defects Insurance?

Building Defects Insurance makes sure your property covers a multi-faceted group of developments, such as new builds and self-builds, changes to the property like basements, renovations, extensions, and conversions, environmentally friendly projects like timber frames and eco-builds, homes that are partially or fully completed with possible defects, insolvency situations, and social housing developments.

Multiple materials and defects are also covered under Building Defects Insurance, such as:

  • Load-bearing foundation systems and footings

  • Roof framing systems (Joists and trusses)

  • Load-bearing floors and staircases

  • Load-bearing beams and girders

  • Load-bearing walls and partitions

  • Load-bearing lintels

  • Floor decking and screeds

  • Chimneys and flues

  • Roof covering

  • Waterproof envelope

  • Contaminated land for brownfield sites

  • Repairing, replacing and rectifying water ingress


Building Defects Insurance

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Why take out Building Defects Insurance?

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    Improve Selling Process

    Credible Building Defects Insurance will make selling property a breeze. Not only will the selling process will be quicker but buyers will feel more secure with their investment.

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    Lower Repair Costs

    When something goes wrong in the basic structure of a building, the cost of repairs can soar as high as £40,000. Having Building Defects Insurance will protect you against this kind of eventuality.

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    Assist With Mortgage Approvals

    In the UK, mortgage lenders require this insurance if the building is under 10 years old.

Why choose CRL?

Our Building Defects Insurance policy will go beyond the easy and typical efforts of our competition. No matter what your situation may be, our priority is to ensure your business venture is hassle-free and without any nasty surprises.

RETROSPECTIVE COVER

We are one of the few Building Defects Insurance specialists to offer retrospective cover. In other words, if you’ve already completed construction, don’t worry! We will offer coverage for up to ten years, starting on the final day of project construction.

Some of the reasons to provide a project with retrospective cover are:

  • BUILT WITHOUT BUILDING DEFECTS INSURANCE

Sometimes projects are built without Building Defects Insurance, which can be a hassle for new and changing ownership. Look for CRL if you want to sell a home that didn’t originally have Building Defects Insurance, or to purchase a property that currently doesn’t have Building Defects Insurance. Under current regulation, developers are in no way obligated to insure their projects, so research is key to your protection!

  • FIXED-CHARGE RECEIVERS & INSOLVENCY

When you insure with us, you receive a fixed-charge, to help you move quickly in distressing sales or situations of solvency.

  • DEVELOPER ADMINISTRATION

Finally, beware of previous developers who have now moved into administration; they may leave without a Certificate of Completion, which means the property cannot be borrowed against.

BIG THINKING INSPECTORS WITH AN EYE FOR THE SMALL DETAILS

It’s our inspector’s job to help you realise your construction goals, however ambitious they might be. Their experience and expertise means our pragmatic site inspections detail every aspect and flag where appropriate.

Our network of inspectors as based throughout the UK, meaning that there is always an expert on hand to offer advice and guide you through the key stages of the development process.

To ensure due diligence, best practise and to continually improve the quality of our on-site inspections, we carry out the following stages for each project:

  1. INITIAL INSPECTION
    Foundation and substructure stage inspection.
  2. INTERIM INSPECTION
    Superstructure, roof and plasterboard stage inspection.
  3. FINAL INSPECTION
    The final inspection to receive the Final Build Certificate.

Our inspectors will be in touch to arrange the dates for each of these inspections almost immediately – ensuring minimal delays. Get in touch to discuss your latent defects insurance needs in more detail.

Building Defects Insurance

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