How long does the warranty last on a new build home?

What is a new build warranty?

A new build warranty is a building or structural insurance policy that protects homeowners. It usually covers any major structural defects, which the housebuilder would be responsible for. New build warranties are offered by providers such as National House-Building Council (NHBC), LABC Warranty or Premier Guarantee.

Why new homes have warranties

New home warranties are essential to protect buyers from potentially costly repairs after completion. While not a legal requirement, it is standard practice, and mortgage lenders often require a new home to have a warranty before lending. The developer is responsible for any structural defects during the warranty period and can be held accountable.

How long does a new build warranty last?

New build warranties usually run for 10 years, but some providers may offer extended coverage. The warranty period starts once the sale is completed.

What are the two main parts of a new build warranty?

A new build warranty is usually split into two parts, each with a different level of protection. There is often extensive coverage in the early years, followed by structural-only coverage in later years. However, providers may have different terms, so it’s important to check.

Years 1-2

During the first two years of your new build warranty, the developer is responsible for any defects or issues related to materials and overall workmanship. This includes problems with electrics, plumbing or fixtures within your new home. These problems will need to be raised with your developer during the first two years.

Years 3–10

From the third to the 10-year mark, any major structural defects will be covered by your insurance provider rather than the developer. Non-structural issues, such as cosmetic defects or minor workmanship problems, are no longer covered. Claims are made directly to the warranty provider rather than the developer.

How long is a developer responsible for defects?

Developers are usually responsible for defects within the first two years. After this period, structural issues will be covered by your insurance company. For instance, at Barratt Homes, we provide a 2-year builder warranty followed by 8 years of NHBC insurance cover.

What does a new build warranty cover?

Coverage focuses on structural integrity and compliance with building regulations rather than aesthetic issues or wear and tear. Some warranties may offer additional protection, so it’s important to read your documentation carefully.

Covered under a new build warranty

A new build warranty covers:

• Defects in workmanship. Plumbing or electrical issues, as well as finishing errors like poor-quality paintwork or uneven floors. This is typically covered for the first two years.

• Structural stability. Including cracks in load-bearing walls, foundation settlement or roof structure failure.

• Flaws in weatherproofing. Inadequate damp-proofing, faulty roof waterproofing or defective drainage systems.

Not covered under a new build warranty

A new build warranty does not cover:

• Normal settling. Minor cracks in plaster or non-structural walls and cosmetic imperfections that don't affect structural integrity.

• General wear or damage. Any imperfections caused by the homeowner whilst living in the property.

• Lack of routine maintenance. Failure to adequately heat and ventilate the property may cause mould damage.

• External issues like ground movement. Structural changes caused by nearby excavation or by external impacts, such as weather.

What happens if you sell your home during the warranty period?

As a warranty is tied to a property, not the homeowner, it will remain valid for any new owners who move in during the warranty period. However, proper documentation and formal transfer to the new owner must be completed to maintain coverage.

Warranty coverage can be a valuable selling point that enhances your property's marketability and improves buyer confidence. It is important to note that some providers charge a small administrative fee for transferring the policy to subsequent owners.

How to make a claim under your new build warranty

Act promptly when you discover defects, as warranties often have time limits for reporting different types of issues. Document problems thoroughly with photographs, detailed descriptions and dates when issues first appeared. Follow your warranty provider's specific claims process, as outlined in your policy documentation.

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