What Does a Structural Warranty Cover?

Posted by The Landsite on 23rd April 2025 -

That’s where a structural warranty comes in. Whether you’re a contractor, a developer or a self-builder, you’ll benefit from acquiring a structural warranty from ABC+ Warranty for your project.

But, what does a structural warranty cover? What won’t it cover? Continue reading to find out everything.

What is covered under a structural warranty?

A structural warranty covers defects in the building process and design of a construction project, as well as any latent defects uncovered in the materials used during the build. This type of warranty provides long-term protection for homeowners against structural failures.

Scheduled checks of your project will occur at different stages to inspect for any issues and ensure Building Regulations are being followed. These inspections are vital to catch potential problems early in the construction process.

Inspectors will look for signs of degradation, such as cracks or structural issues in the foundation, walls, or roofing, to ensure the building’s structure is safe and compliant.

This is what a structural warranty covers:

• The costs to fully or partially rebuild a building because of structural defects.

• The costs to fix any defects within a property that are due to defects in the design and build of a property, or any defects discovered in the materials used.

• The costs to rectify damage caused by water as a result of problems with the design, build or materials used in a project.

• The costs related to fixing issues caused by a faulty drainage system.

• Defects insurance for a period of up to 24 months after practical completion.

• Structural insurance after 24 months have elapsed from practical completion.

• Alternative accommodation costs, fees and removal of debris.

What isn’t covered by a structural warranty?

While structural warranties provide plenty of coverage, there are many things they don’t insure. For example, there could be building issues that arise after a project is completed that can’t be covered by a structural warranty.

These include:

• Alterations/change in colour/consequential loss

• Defects in existing work/humidity/Japanese knotweed

• Poor maintenance

• Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons

• Settlement or subsidence

• Toxic mould

• General wear and tear

• Any latent defects found in the first two years after construction is completed are also not covered

Do I need a structural warranty for my construction project?

Yes, it’s recommended that you obtain a structural warranty for your construction project, even if the buyer is paying in cash.

Why? Because if the cash buyer ever wants to sell the property to someone using a mortgage, it could cause a serious delay or even the purchase falling through. A mortgage lender is unlikely to provide funds for a property lacking a structural warranty.

Structural warranties reassure mortgage lenders that the property is financially covered should any major defects arise, reducing the risk of them losing money if problems are discovered.

Summary

A 10-year structural building warranty offers the most secure protection for construction projects in the UK. An ABC+ Warranty structural warranty policy provides excellent protection against latent defects caused by poor design, building materials, and the workmanship of the project.

To get started with ABC+ Warranty, you can easily contact our friendly team via phone, email, or their official website. We offer expert advice on structural warranties and can guide you through the application process. We are committed to providing quick responses and reliable support tailored to your project needs.