Four Key Elements to a Self-Build Warranty


A self-build construction project, whether it’s a new build, a significant renovation, an extension or a conversion, can be complex, with many challenges along the way. There are specific risks with self-builds that don’t necessarily apply to other types of construction project, so having an appropriate self-build warranty in place is essential. Most mortgage lenders will not lend on a self-built property without this kind of warranty.

When choosing a warranty provider, it’s vital to check what is covered by the proposed policy and the associated terms and conditions, so that you can make sure it includes the key elements that you need as the individual responsible for the development project.

Check the inspection requirements of the self-build warranty

Self-build warranties require inspections to be made throughout key stages of the construction, so it’s important that you check these requirements before taking out the policy to ensure you can comply.

Check the length of time that the self-build warranty covers

Most self-build warranties will cover the property for a period of eight-ten years after it’s completed, but there can be longer cover available in some circumstances.

Check if the self-build warranty can be transferred if the property is sold

It’s important to check the terms of the self-build warranty to ensure that if the property changes ownership within the covered period, the balance of the cover will be transferred to the new owner.

Check whether the policy covers issues that arise before construction is completed

Some self-build warranties can also cover some scenarios that might happen during the build. For example, if the builders you are using become insolvent during construction.

By ensuring that you’re familiar with all of the important aspects of cover in your policy, you can get the cover you need to give you peace of mind during and after your project.

Advantage has many years of experience in providing warranties for self-build projects, so understand all of the potential challenges involved. We’re ideally placed to ensure you get the cover you need.

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Advantage Home Construction Insurance (AHCI) provides structural defects insurance – operating nationally with offices in Warrington, London and Birmingham – offering development-related insurances and a service designed to give customers peace of mind.

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