What is a Structural Warranty & Why Do You Need One for Your Build?

When embarking on a self build, renovation or extension project, it can be easy to get swept up in the excitement of design choices and construction milestones. But one critical element that’s often overlooked is the structural warranty – a safeguard that not only protects your investment but also ensures long-term peace of mind.

What exactly is a structural warranty?

This is a 10-year insurance policy that covers defects in design, workmanship and materials in a newly built or significantly renovated home. It’s not just a formality – it’s a vital layer of protection that can cover the cost of partial or complete rebuilding in the event of structural failures. This includes issues with elements such as foundations, drainage systems, waterproof envelopes, chimneys and flues.

Unlike buildings insurance, which typically covers damage from external events such as storms or flooding, a structural warranty addresses latent defects that arise from the construction process itself. This distinction is crucial. For example, if subsidence occurs due to poor workmanship, the warranty steps in. If it’s caused by environmental factors, buildings insurance takes over.

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Why do you need a structural warranty?

If you need a mortgage to fund your build, the lender will almost certainly require that you put a structural warranty in place. Even if you’re funding your build with cash, it’s still an essential. Most UK lenders require a structural warranty for any residential property under 10 years old. So, if you might sell within that time frame, you’ll need that warranty – without it, potential buyers using a mortgage may be unable to proceed, jeopardising your sale.

A warranty isn’t just about resale – it’s about resilience. Structural issues can surface years after completion, and without proper cover, you could face costly repairs and legal battles to demonstrate liability.

Your dream home is likely to be the biggest investment you ever make – so it pays to put the right protection in place with a quality structural warranty

What’s the difference between an architect’s certificate and structural warranty?

Some of you might consider an architect’s certificate or professional consultant’s certificate (PCC) as a cheaper alternative. But this route comes with significant limitations. An architect’s certificate only last six years and only covers defects in design – not the workmanship or materials, which is where most structural issues originate.

What’s more, claims under an architect’s certificate require you to prove negligence, which often involves lengthy and expensive legal proceedings. If the architect is no longer practising or their indemnity insurance lapses, you may be left without any recourse.

In contrast, a structural warranty offers a straightforward claims process. No need to prove fault – just submit your claim and let the insurer handle the rest. It’s also fully transferable to new owners, adding value and security to your property.

When should you arrange a structural warranty?

The best point to arrange a structural warranty is before work begins. Early engagement enables technical audits during the key build stages, ensuring compliance with insurer standards (not just Building Regs). Retrospective warranties are available but they can cost up to 10 times more and offer reduced coverage periods.

Why’s it important to choose an ‘A’ rated insurer?

Not all warranties are created equal. It’s vital to choose a provider backed by an ‘A’ rated insurer – one that’s been independently assessed for financial strength and reliability. In recent years, several unrated insurers have gone into liquidation, leaving homeowners without cover and in breach of mortgage terms.

Final thoughts

A structural warranty isn’t just a box to tick – it’s a strategic decision that protects your home, your finances and your future. Whether you’re building your forever home or intend to sell on, a robust, insurer-backed warranty is a smart move. Don’t wait until it’s too late. Secure your structural warranty before the first brick is laid and build with confidence.

Jake Fitness Jake Fitness is the team leader at Self-Build Zone, which offers a comprehensive range of specialist self build, renovation, extension and site insurance cover, and self build warranties. For more information about self build warranties and insurance, visit the Self-Build Zone website or call 0345 230 9874.