My property is less than two years old. What should I do if I discover a defect or damage ?
In the first two years after completion of the property, it is usually the builder's liability to rectify defects or damage caused by failure to build to our technical Standards.
In the first instance you should notify your builder of any defects or damage. There is no need to notify us, however you should keep a copy of all correspondence and any other relevant information, such as notes of telephone conversations, and contact us in the event of a dispute.
If a dispute arises regarding work to be done, we usually provide our free Resolution Service. This assists in resolving straightforward disputes between homeowners and builders. To apply for Resolution, please register the details using Claims Online.
What is the Builder liable for?
- The builder should put right, within a reasonable time and at their own expense, any defect or damage caused by a failure to build to our technical Standards which is notified to them within this period of the cover.
- If you have to move out of the home so that work can be done, the builder should meet any reasonable costs you incur, by prior agreement with the builder, for removal, storage and appropriate alternative accommodation.
- If the builder has been notified of a defect or damage during this period of cover, then they remain liable to put it right even after this period has expired.
What is the Builder not liable for?
- Wear and tear or deterioration caused by neglect or failure to carry out maintenance.
- Dampness, condensation or shrinkage not caused by a defect.
- Anything excluded by an endorsement on the Insurance Certificate.
- Anything caused by alterations or extensions to your home.
- Anything resulting from compliance with written instructions given by or on behalf of the first owner in respect of design, materials or workmanship.
- Any cost or expense greater than that necessary to carry out a workmanlike repair of the defect or damage.
- Any items falling outside the definition of home (as defined in your policy document).
- If you are not the first owner, anything which you knew about when you acquired the home and which resulted in a reduction in the purchase price you paid or which was taken into account in any other arrangement.
