The following is a summary of the Buildmark Choice cover we provide:
During this period, the contractor is responsible for putting right damage to the home(s) or common parts caused by their failure to build to the NHBC Standards. In the event of contractor insolvency in this period, we insure their obligations.
What is the contractor liable for?
What is the contractor not liable for?
Below are some things the builder is not liable for. Please refer to the Buildmark Choice policy document for the full list.
If there is a dispute between you and the builder about work to be done, then we may be able to offer our Resolution Service to assist in resolving disputes about defects or damage relating to the NHBC Standards.
If the builder cannot meet their obligations because they are insolvent or they don't comply with an NHBC resolution report, or court judgement against them relating to their obligations under Buildmark Choice, we will complete the work on their behalf or alternatively, if we choose to, we will pay what it would have cost us to have the work done
You are covered during this period for damage to the following specified parts of the home:
We will also cover removal, storage, loss of rent and alternative accommodation if the occupier has to move out so that repair work can be done.
If you and your contractor appoint NHBC Building Control Services Ltd for your build, your policy will include extra cover for certain breaches of some Building Regulations if they pose a danger to the physical health and safety of the occupants.
Buildmark Choice also protects you if you are served, or are likely to be served, a Statutory Notice about contamination of the land that existed at completion.
Buildmark Choice does not cover general wear and tear, condensation, normal shrinkage, cosmetic damage or damage arising from failure to maintain the property. You should refer to the full policy document for information on all the exclusions and limitations that apply.
You can choose to set a larger excess than our standard amount. However, if the home is for sale, or for shared ownership, our standard excess will apply.
You can choose to add additional insurance cover to Buildmark Choice as follows:
You can choose to add insurance cover to protect you if your contractor is unable to complete the build due to insolvency or fraud.
You can choose to add insurance cover for reasonable professional fees that you incur in connection with a valid claim.
You can choose to extend the insurance period (including for Professional Fees if selected) by a further 2 years, giving 12 years' cover in total
For full details of the Buildmark Choice policy, please read this policy document:
This particular sample document applies to new homes registered from 01 April 2014. If you need a copy of a policy for homes registered before this date please call us on 0844 633 1000 and ask for 'Customer Services'.
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