What is NHBC Warranty and Insurance?

NHBC insurance covers structural defects in new homes, such as issues with the foundation, roof, walls, plumbing, and electrical systems. It also covers damage from poor workmanship, design flaws, or substandard materials. The warranty usually lasts for 10 years, with different levels of cover depending on the property’s age.

How long does the NHBC warranty last?

The NHBC warranty typically lasts for 10 years from the date of the property’s completion. The first two years cover defects arising from construction and workmanship. The remaining eight years cover major structural defects, such as issues with foundations, roofs, and load-bearing elements.

Who is eligible for NHBC Cover?

NHBC warranties are available for new homes built by registered builders. Homebuyers should check that the property they are purchasing comes with this cover, which is typically included as part of the purchase when buying a newly built home from an NHBC-registered builder.

What is covered during the first two years of the NHBC warranty?

The first two years of the NHBC warranty cover defects caused by poor workmanship, design flaws, or the use of substandard materials. If any issues arise within this period, the builder is typically responsible for fixing them. If the builder does not address the problem, NHBC will provide support.

What is covered in the remaining eight years of the NHBC warranty?

The remaining eight years of the NHBC warranty cover major structural defects, such as problems with the foundations, roof, walls, and other load-bearing elements. This coverage ensures that homeowners are still protected if significant structural issues arise after the initial two years.

Does the NHBC warranty cover damage from natural disasters?

The NHBC warranty does not typically cover damage caused by natural disasters like floods, earthquakes, or storms. For protection against these events, homeowners may need to take out additional insurance, such as buildings and contents cover.

Can I transfer my NHBC warranty if I sell my home?

If you sell your home, the NHBC warranty is transferable to new owners. This provides potential buyers with peace of mind, knowing that a reliable warranty covers the property. When selling, it is essential to ensure that the NHBC warranty documentation is passed on to the new owners.

How do I check if my home has an NHBC warranty?

You can check if your home has an NHBC warranty by reviewing the property’s documentation or contacting the builder. If an NHBC-registered builder built the property, it should have the appropriate coverage. You can also contact NHBC directly to verify the details.

Are there any exclusions to the NHBC warranty?

While the NHBC warranty offers comprehensive cover, there are specific exclusions. These may include damage caused by neglect, lack of maintenance, or alterations made by the homeowner.

Does NHBC insurance cover defects in older properties?

No, NHBC warranty and insurance typically only apply to new homes built by NHBC-registered builders. For older properties, homeowners may need to consider other types of insurance to cover structural issues or defects.

How do I claim my NHBC warranty?

If you notice a defect covered by the NHBC warranty, you should contact NHBC directly. They will assess the issue and guide you through the claims process. If the claim is valid, NHBC will either cover the cost of repairs or arrange for the necessary work to be completed.