Warranty Cover for Completed Buildings
Retrospective structural warranty insurance for buildings completed without original warranty protection. Essential for resale, refinancing, and lender requirements. Cover available for properties up to 10 years old with streamlined processing via our LDI-Tech® platform.
Why Choose Retrospective Warranty Cover?
Post-Completion Cover
Warranty protection for buildings already completed without original structural warranty
Properties Up to 10 Years Old
Retrospective cover available for properties completed within the last decade
Broad Lender Acceptance
Options designed to support resale, refinancing and mortgage requirements
Professional Assessment
Expert technical inspection to assess property condition and ensure insurability
Comprehensive Protection
Full structural defect coverage providing peace of mind for buyers and lenders
Fast Approval Process
Quick assessment and approval to meet your transaction timescales
When Do You Need Retrospective Warranty?
Property Resale
Buyers and lenders typically require structural warranty cover on properties less than 10 years old. Without it, the property may be difficult or impossible to sell.
Mortgage Refinancing
Many lenders require structural warranty as a condition of mortgage approval or refinancing on properties built within the last decade.
Original Warranty Expired
When the original builder's warranty has lapsed or the builder is no longer in business, retrospective cover fills the protection gap.
No Original Cover
Properties completed without any structural warranty can obtain retrospective cover subject to technical inspection and approval.
How It Works
Initial Assessment
Submit details of your property including age, construction type, and current condition. We'll conduct an initial eligibility assessment.
Quotation & Approval
Based on the initial assessment, we'll provide a competitive quotation for retrospective warranty cover, subject to technical inspection and any required remedial works.
Payment
Once the quotation is accepted, the premium is paid to proceed with the technical inspection.
Technical Inspection
A qualified surveyor will conduct a comprehensive inspection of the property to assess structural integrity and identify any existing defects.
Policy Issue
Once approved, your retrospective warranty policy is issued, providing immediate structural defect protection.
Other Structural Warranty Products
Explore the rest of our structural warranty range with broad lender acceptance, or visit the hub for a side-by-side overview.
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