Structural Defects Warranty

what we cover

Get the Cover You Need From One of the UK’s Leading Structural Warranty Specialists

Advantage is one of the UK’s leading specialists in structural warranties, with 40 years of experience in this field.

Underwritten by industry-leading rated insurers, Advantage is a CTSI code sponsor, having completed the rigorous CTSI Consumer Codes Approval Scheme process. This enables us to offer a new level of customer protection, giving added peace of mind to our clients. We provide structural warranty cover for a broad range of residential and commercial schemes throughout the UK – from individual houses to large-scale developments.

Structural Defetcs Warranty

About Structural Defects Warranty

Structural Defects Warranty protects against defects in newly built or converted and refurbished residential developments. It can also be known as latent defects insurance.

 

It also protects against the potential cost of rebuilding and rectifying any defects that arise. Structural Warranty Insurance certificates generally last for 10 years on new build properties.

Hopefully your structural defects warranty policy is used only as a precaution, however, if the instance does come where there is physical damage to the building, our job is to shield you from excess and necessary costs which could prove detrimental to your project. Having credible Structural Defects Insurance will also make the process of selling your property easier.

Advantage was founded by two experienced property developers, meaning we understand the difficulties and tight deadlines that property developers. We have spent years crafting our products to make acquiring your structural defects insurance as easy as possible.

 

Our team of relationship managers are your point of contact from idea to the final certificate, you can rely on their specialisms and industry expertise to make sure that everything runs smoothly. That’s why our customers would recommend Advantage structural defects.

 

Want to find out more about Advantage House Construction Insurance (AHCI)? click here.

If you’re trying to sell a property that was built in the last 10 years and it does not have a Latent defects insurance policy then you will not be able to sell. No mortgage lender will grant a mortgage to a property that does not have a Structural Warranty Insurance policy.

 

Retrospective defects insurance policies exist to help you sell your property in the most efficient way possible. Retrospective defects insurance requires a full structural survey to be undertaken before the policy is issued in order to identify any existing issues or problems so that they can be corrected or removed from the policy.

If you’re thinking about converting a property for residential use, then you need to consider structural defects insurance. Every conversion requires a latent defects insurance to protect you and your newly renovated property. For more information on latent defects insurance for your conversion project please contact one of our team today.

In an ideal world, your structural defects insurance (SDI) will only ever be needed to provide some added peace of mind. In the unfortunate event that you will need to call upon it, however, Advantage will be at your side every step of the way, assisting you at each stage of your claim.

 

Firstly, your policy will be checked in detail to clearly identify what’s covered and what isn’t.

As well as being a trusted provider of retrospective cover, Advantage can also offer latent defects cover for conversions. One of our happy clients, Julie Wright, said: “We are delighted to leave a 5 star review for Advantage following the conversion of our garage to a two bedroom dwelling. We would have no hesitation in recommending Advantage for anyone looking for a 10 year latent defect warranty on their new-build project.”

 

If you’re thinking about converting a property for residential use, then you need to consider structural defects insurance. Every conversion requires latent defects insurance to protect you and your newly renovated property.

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Why Choose Advantage For Your Construction Insurance

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what we cover

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FREQUENTLY ASKED QUESTIONS

Most Popular FAQs

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Structural defects warranties are required to protect against defects in newly built or converted and refurbished residential developments. This type of cover can also be referred to as latent defects insurance. Your structural warranty also protects against the potential cost of rebuilding and rectifying any defects that arise. Structural warranty insurance certificates generally provide cover for 10 years on new build properties.

We’re well known for our expertise in the field of retrospective cover. But don’t just take our word for it. Structural engineering practice SWJ Consulting lists us as one of the best structural warranty providers, saying: “Being able to get retrospective cover should not be underestimated in importance, as when it comes to selling a recently built home without this, it’s nearly impossible.”

 

If you’re trying to sell a property that was built in the last 10 years and you don’t have a structural warranty then you will not be able to sell. No mortgage lender will grant a mortgage to a new build property without latent defects cover.

 

Retrospective policies exist to help you sell your property and to give you peace of mind if it isn’t adequately insured. Retrospective defects insurance requires a full structural survey to be undertaken before the policy is issued in order to identify any existing issues or problems so that they can be corrected or removed from the policy.

 

We’ll evaluate your premium based on an initial visit and appropriate research. The final figure all depends on the level of risk involved.

Yes. It’s fully transferable. Any subsequent owner can benefit from cover as well.

Latent Defects Insurance is also referred to as Structural defects insurance, Structural Warranty, Construction Insurance and Self-Build/New-Build insurance.

 

Whatever you choose to call it, it is important that you are covered by a credible company such as ourselves as it is considered a requirement by the majority of UK mortgage lenders before lending on any property under 10 years old.

Usually, the structural elements of your build as well as the weatherproofing and waterproofing envelope are covered.

 

A key component of your structural defects insurance is in tackling problems arising from construction related issues. This can span things like design defects, or failures in workmanship, materials or components, which in turn cause damage to aspects of the property such as the foundations, load bearing floors, the roof and the waterproof envelope.

Minor snagging issues and superficial faults: plaster cracks, overflows, central heating and plumbing performance are normally remedied with some simple maintenance procedures.

 

Matters of flooding, storm damage or decorative damage, will not be covered by your structural defects insurance.

It’s not a legal requirement BUT all mortgage lenders require it to be in place before they will land money against a property. Even if you have no intention of selling your home, the skilled insight of our inspectors helps quickly identify any problem areas. In addition indemnity protects you from exposure to a costly risks.

It’s normally 10 years from completion of the property.

A structural defect is defined as actual physical damage to a building or property.