Structural defects can leave homeowners without insurance out of pocket


A structural warranty provides the buyer of a residential property with insurance cover against the costs of putting right structural defects

In this structural warranty supplement, we delve into some of the topics that can affect the homeowner. From planning a self-build to some of the most common structural defects, it’s important to have an understanding of what can go wrong and how you are covered. After all, most people’s important and valuable asset is their home.

If there is something fundamentally wrong with a house such as the walls cracking, penetrating damp or the drains not working properly, the warranty provider will fix it instead of the house owner being left with the responsibility.

Cracking masonry walls is a common structural defect, which is caused by a myriad of factors. Premier Guarantee outline provisions which will mean your wall will reach its optimum structural performance and should stand the test of time.

As we know, winter in the UK can bring some harsh weather; freezing temperatures, snow, wind and rain. No one likes a cold house, but how can you be sure that your home is retaining as much heat as possible? Premier Guarantee also explain U-values of different wall materials and how they will stand you in good stead to making your self-build or renovation thermally efficient.

Kim Vernau, Chief Executive Officer of BLP Insurance also features in this special supplement, highlighting how you can have both quantity and quality when it comes to building new homes – especially pertinent after the launch of government’s recent housing white paper.

We end with an explanation of how the structural warranty provides a safety net for our homes from Andrew MacLeod, Partner at Robin Simon.

Structural warranty remains a vital part of protecting homeowners from the costly damage that can be caused by structural defects. This supplement explores the pitfalls to look out for when purchasing insurance protection while also examining the areas most likely to suffer structural defects.


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