Latent Defect Insurance
Comprehensive structural warranty protection for new build properties, providing peace of mind for homeowners, developers, and lenders.
Why Choose Build Warranty?
We're the UK's leading construction warranty provider, trusted by thousands of homeowners and developers nationwide.
Broad Lender Acceptance
We have access to warranty solutions accepted by a wide range of UK lenders, meeting UK Finance compliance requirements for mortgage approval and FCA regulations.
Expert Technical Auditing
Advanced technical auditing from our expert team with free technical support throughout your project. Rigorous assessments ensure the highest standards of construction quality and compliance.
Lowest Prices Guaranteed
Value-driven pricing across all warranty products. Access to whole of market solutions ensuring we find the perfect warranty at the best price. Transparent quotes with no hidden fees.
Quick Quotes, Fast Cover
Get your quote quickly and coverage in place fast. Streamlined processes to keep your project moving forward.
Unrivalled Customer Service
5.0 rated service you can trust. Exceptional customer care with dedicated account management for every project, backed by thousands of satisfied clients nationwide.
LDI-Tech® Platform
State-of-the-art software platform with integrated apps and portals. Real-time project tracking, instant quotes, and seamless document management.
What is Latent Defect Insurance?
Latent Defect Insurance (LDI), also known as structural warranty insurance, provides protection against unforeseen structural defects in newly built or renovated properties. This insurance covers the cost of remedying major structural issues that may arise after construction completion.
Our policies typically provide coverage for up to 10 years from the date of practical completion, ensuring long-term protection for all stakeholders.
Coverage Includes
- Structural defects affecting stability
- Damage to foundations and load-bearing elements
- Weather-tightness failures
- Roof structure and envelope issues
New Build Properties
Comprehensive coverage for new build homes, apartments, and housing developments from foundation to final completion.
Conversions & Renovations
Protection for major renovation projects and property conversions, including change of use developments.
Self Build Projects
Tailored insurance solutions for self-build and custom-build homes with flexible inspection schedules.
Why You Need Latent Defect Insurance
For Homebuyers
Peace of mind that your property investment is protected against major structural defects. Many mortgage lenders require this insurance for new build properties.
For Developers & Housing Associations
Essential for selling new build properties and meeting lender requirements. Demonstrates quality assurance and protects your business reputation.
For Lenders
Reduces lending risk by ensuring properties have structural warranty protection in place before mortgage completion.
Transfer of Benefit
The insurance policy automatically transfers to subsequent owners, protecting the property throughout the full warranty period.
Ready to Protect Your Property?
Get a competitive quote for latent defect insurance and ensure your construction project has the protection it needs.
Request a Quote