Do I need structural warranty for my new home? - Self Build Zone
14 June 2022

Do I need structural warranty for my new home?

A simple green outline of a house, featuring a triangular roof and a rectangular chimney against a white background.
By Self Build Zone
Close-up of a brick wall with clear horizontal and vertical cracks near the corner of the building and below a window.

Structural Warranty

You will need a structural warranty insurance policy to gain protection against any fundamental structural problems with a new building, typically for up to 10 years after completion.

Mortgage lenders will insist on a warranty, but even if you are funding your build with cash, it’s still a standard requirement to have one, so any future sales of the property aren’t jeopardised. A structural warranty is there to cover you for any failure in the building structure after it has been completed, protecting the homeowner from any structural damage.

How much does a structural warranty cost?

As a rule of thumb, it’s usually a good idea to budget 1% of your indicative build costs. This will be payable ahead of any work whatsoever occurring on site. A retrospective structural warranty is much harder to get and is often much more expensive, so any decisions around insurance should be made right at the beginning of your project.

What does a Self-Build Zone structural warranty usually cover?

Major damage to the structural elements of your home, including:

  • Foundations

  • Load-bearing parts of floors, staircases and associated guard rails, walls and roofs, together with load-bearing retaining walls necessary for providing support to the structure

  • Roof covering

  • Any external finishing surface

  • Waterproof Envelope.

Features of the Self-Build Zone new home structural warranty :

  • No membership or registration fees

  • Recognised by lenders and complies with the UK Finance initiative

  • We can consider covering part-completed or completed projects

  • Fast quotation turnaround

  • All policies use ‘A’ rated insurers

  • Quick response from professional, nationwide technical auditing/survey service

  • Flexible payment method

  • 10-year structural warranty cover

  • Full risk transfer in years 3-10 of cover

  • Cover available for mixed-use developments

  • Cover as standard for alternative accommodation, additional costs, removal of debris, and professional fees.

Our structural warranties are underwritten by an ‘A’ Rated global insurer and each case is subject to full technical review by Build-Zone Survey Services Limited with the aim of minimising any defects right from the design stage.

For more information on any of our structural warranty insurance policies, explore our products here: https://www.selfbuildzone.com/structural-warranty

The importance of choosing an ‘A’ Rated backed insurer

Self-Build Zone only uses secure, ‘A’ Rated insurers, to provide peace of mind in a market that over the last few years has seen a number of unrated insurers go into liquidation, leaving their customers without cover. This, in turn, has left their policyholders without a valid warranty, breaching their mortgage terms.

Our range of warranties are effective for 10 to 12 years from the date of practical completion, so these are considered long-term policies, so it’s wise to choose an ‘A’ Rated insurer to give you the confidence that your protection is in place for the long-haul.

‘A’ rated insurer-backed structural warranties

Discover more about our A’Rated Insurer backed structural warranties for New Homes, Self-Build, and Custom Build schemes together with our leading technical services company: Build-Zone Survey Services Ltd.

Latest News

Site Insurance Claims and Theft
Site Insurance Claims and Theft: Protecting Your Assets During a Build
Read More
common self build mistakes
Common Self-Build Mistakes That Can Increase Costs
Read More
eco renovation insurance
Eco Renovation Ideas to Transform Your Home While Protecting Your Investment
Read More
choosing extension insurance
How to Choose the Right Extension Insurance for Your Project
Read More
cost cutting tips self build
Top Cost-Cutting Tips for Your Self Build Project
Read More
do you need site insurance?
What Is Self-Build Site Insurance – And Do You Really Need It?
Read More
What Is a 10-Year Structural Warranty?
What Is a 10-Year Structural Warranty? – And Why Every New Build Needs One
Read More
structural warranty self build mortgage
How a Structural Warranty Helps You Secure a Mortgage for Your Self-Build
Read More
Modern brick house with a dark tiled roof, large windows, and a drive, situated on a quiet residential street.
How a Structural Warranty Can Help Secure Mortgage Approval for Your Self Build
Read More