Latent Defects Insurance

Latent Defects Insurance is a structural warranty that provides cover for a property against structural faults in a new home or commercial premises. Often not covered under the standard buildings insurance policy, latent defects can help cover the cost of repairing structural issues and pays for rebuilding a structure if it becomes uninhabitable or is deemed unfit for its intended purpose.

Latent defects policies can include additional cover for demolition and debris removal, mechanical or electrical faults, alternative accommodation for residents, building control services, and contamination cover.

These policies typically remain valid for 10 to 12 years after a building’s completion and can be transferred to new owners if the property is sold. Whether work on a property is about to start, is partially constructed, or has been completed, then our specialist team can help you find the right warranty insurance solution to meet your requirements.