BUILDING WITH PEACE OF MIND
Our collaboration with leading warranty provider ABC+ offers you a 10-year
What is a Structural Warranty?
Sometimes known as Latent Defects Insurance, a Structural Warranty is an insurance policy that protects you against structural defects in a new build, conversion, or renovated building.
This means that if your building develops problems due to poor workmanship or materials, you should receive financial compensation to help cover the costs of structural damage and repairs.
The Structural Warranty usually lasts 10-12 years from the date on the Building Control Completion Certificate. This Building Regulations certification does not offer financial protection itself.
Under the Building Safety Act 2022, the liability period will be extended to 15 years for claims relating to faulty design or workmanship on new buildings that has rendered the property unsafe for human use or habitation as a result of latent defects.
Most mortgage lenders will not release funds without an approved Structural Warranty in place, to protect their investment as much as yours. This can delay property sales and purchases, so you should make sure a suitable Building Warranty is in place as early as possible.
Structural defects can become apparent at any time in the years after construction finishes. It’s best to have at least 10 years of precautionary cover to help you with the expense of fixing such issues.
10-Year Building Warranty by ABC+
Our award-winning ABC+ Building Warranty covers all types of properties, whether residential or commercial. This includes new builds and conversions, single dwellings and mixed development schemes, self-builds and Housing Association homes, and more.
The ABC+ 10 Year Structural Warranty offers to beat any other genuine quote from an alternative provider (such as NHBC, Premier, LABC, Protek, Checkmate, BLP, or Advantage Warranty). When you appoint us prior to the commencement of works, your quotation will be lower.
It’s best to get a Structural Warranty in place as early as possible, so it can also protect your deposit during and after works if contractors or builders become insolvent at any point.
We can also provide retrospective Structural Warranties for completed properties, or ongoing projects if you appoint us partway through construction. However, retrospective warranties are likely to have higher premiums, due to reduced inspection opportunities.
Which types of Structural Warranty can we provide?
Whether you require a standard Structural Warranty for a residential or commercial building, or something more bespoke like a conversion or custom build, we’ll do our best to adapt our ABC+ Warranty to suit your needs. We offer a range of policy types at Architects Certificate, including:
Of course, we also offer 6 Year Professional Consultants Certificates (PCC) as an alternative to a 10 Year Structural Warranty. Formerly known as a CML Certificate (Council of Mortgage Lenders), a merger of trade bodies formed UK Finance in 2017. All of our architects’ certificates and warranties comply with the UK Finance Lenders’ Handbook, and you can find our approved lender list here.
We can also carry out independent Building Control inspections from commencement to completion of your build, ensuring that every component and method used complies with Building Regulations for quality and safety standards. This also helps to reduce the risk of latent structural defects developing.
Why choose us for your Structural Warranty?
ABC+ Warranty is a unique trade-marked system for Architects Certificate (2017). This is our own warranty product, and it offers some of the best value for money on the market. We do not require membership fees or holding bonds, and we can issue our certifications within hours, not weeks.
When you commence with our 6 Year CML Certificate, known as a UK Finance Professional Consultants Certificate, you also have the option to upgrade to a 10 Year Building Warranty. This allows you to save money with a PCC until a lender requires you to have a Structural Warranty.
Through key inspections, our chartered surveyors perform our due diligence to ensure that latent structural defects won’t occur down the line. However, even the best builders can’t always guarantee that nothing will happen, so it’s worth upgrading to a 10 Year Structural Warranty.
Many approved lenders accept our PCC and 10 Year Structural Warranty, so you can rest assured that your paperwork will be in order.
How quickly can you get an online Structural Warranty quote with ABC+?
When you apply for our ABC+ Warranty through our website, you can either fill the application form yourself by clicking the 'Get a Quote' button below, or alternatively, EOHMA Architects can fill out the application on your behalf if we have the necessary information. You will receive an email confirming your details and an agent will get back to you within 48 hours with a quotation for your project.
The more information you give us about your building project, the more accurate your prospective quote will be. As we don’t use brokers, the process of receiving a quote from us is faster than many other providers who rely on middlemen – and we can offer lower prices without those additional fees. The Architects Certificate team will get back to you as fast as we can with your tailored quote.
Of course, the process may take longer if we require more information about your building proposal, or should we need to visit your site to conduct an inspection. Whatever the case may be, we always offer a fair and honest quote, so you’re sure to get a competitive rate with a speedy turn-around.
Structural Warranties under the Building Safety Act
According to Part 5 Section 144–145 of the Building Safety Act 2022, a new build home warranty is now required by law for any developer building new residences. This means that developers must provide an appropriate building warranty to the purchaser in order to legally sell the home.
This applies to anyone ‘undertaking or commissioning’ the ‘construction or conversion’ of a building to create one or more dwellings. If you’re carrying out a self-build or conversion project for your own use, you may not be obligated to take out a warranty unless you intend to sell it later on – but it’s still advisable to set up a building warranty from the outset for your own financial protection.
Mortgage providers will also be keeping abreast of the new law, so you can expect a 15-year building warranty to be a definite requirement for obtaining a mortgage for your new build or converted residence, regardless of which lender you go to.
If you have any questions about our structural building warranties, please call ABC+ Warranty on 0161 951 5707 to speak to our team, or email your query to firstname.lastname@example.org and we will reply as soon as possible with more information.
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