Types of property covered by a latent defect warranty


If you’re working on a residential new-build development project then you’d expect each new property to be issued with a latent defect warranty before sale, so that the new owner has peace of mind that their home is covered for 10 years, should serious structural issues come to light.  

However, residential new builds are not the only kind of property that can benefit from a latent defect warranty. We look at some of the other types of building that can be covered by this kind of policy.  

Renovation and refurbishment projects 

Where a property is being extensively renovated, including structural elements of the building, it’s good practice to ensure that there is a latent defect warranty in place during the project. If the work is being carried out by the homeowner then they will be responsible for taking out this policy. If the project is being done by a developer or builder who plan to later sell the property, then they should ensure the right insurance cover is in place. 

Extensions and conversions 

In a similar way, any extension that is built onto an existing property, including under permitted development, will need a latent defect warranty, as will a conversion that turns a building (usually commercial or agricultural) into a residential one. 

Private and social rented housing 

When a property is being built or developed for the rental sector, whether private or social housing, there should also be a latent defect warranty in place. This provides protection for landlords and housing associations.  

Commercial developments 

While latent defect warranties are often considered to be primarily for residential properties, newly developed commercial buildings can also be covered for structural issues 

As you can see, there are a wide range of different building and project types that could benefit from a latent defect warranty, providing peace of mind to the owner and helping to ensure that mortgage providers are willing to lend on the property if sold.  

Get your free quote for a latent defects warranty from Advantage.  

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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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