What Does a Structural Warranty Cover?
ABC+ Warranty explains what a structural warranty protects against, what it excludes, and why contractors, developers and self-builders should consider one for their projects.
A structural warranty covers defects arising from the design and construction of a building, as well as latent defects in the materials used, offering long-term protection for homeowners. Inspections take place at different stages of the build to check compliance with Building Regulations and spot problems such as cracks or faults in foundations, walls or roofs early.
Typical cover includes:
• Full or partial rebuilding costs caused by structural defects • Repairs to defects in design, workmanship or materials • Water damage resulting from design, build or material problems • Faulty drainage systems • Defects insurance for up to 24 months after practical completion, followed by structural insurance • Alternative accommodation, fees and debris removal
Exclusions include alterations and changes in colour, consequential loss, defects in existing work, humidity, Japanese knotweed, poor maintenance, settlement or subsidence, toxic mould, general wear and tear, and contamination from radioactive, chemical, biological or similar sources. The article also states that latent defects found in the first two years after completion are not covered.
ABC+ Warranty recommends a warranty even where the first buyer pays cash, because a later purchaser relying on a mortgage may struggle, as lenders are unlikely to lend on a property without one. The firm describes a 10-year structural warranty as the most secure form of protection for UK construction projects.
Originally published on The Landsite (23 April 2025)
