Renovation Structural Warranty
Carrying out renovation works that affect or extend your building’s existing structure?
At Build Secure, we offer dedicated renovation warranties for a huge range of commercial and residential projects, backed by our team’s extensive expertise and range of insuring partners.
- Cover available at any stage of the build.
- Fast turnaround times.
- 'A' rated insurers.
- Cover available for any type of build.
- Competitive pricing.
Specialist Renovation Warranties
What is arenovation warranty?
A renovation warranty is a form of structural warranty that insures against latent structural defects incurred in the process of building an extension, renovating or refurbing an existing property.
Renovation warranties provide protection for the owner, funder or responsible person, in the event that the newly constructed elements structurally fail, or if structural integrity or performance is affected by defects in workmanship or materials.
Renovation warranties typically provide cover for a maximum of 10-12 years, from the completion date of the renovation works.
Do I needa warranty for my renovation project?
Most renovation projects do not legally require a structural warranty. Whether you need one usually depends on the type of project, who is funding it and whether you plan to sell or mortgage the property on completion of the refurb project.
For example, any internal, non-structural refurbishments will not require a warranty. For larger-scale jobs like loft conversions and extensions, renovation structural warranties are recommended, but not legally mandatory. Projects like basement excavations also frequently require structural warranties, due to the increased structural risk.
Renovation warranties are most commonly required by developers and investors for major commercial refurbishments of commercial buildings, or conversions of offices into residential buildings.
Discover tailored structural warranties for any type of renovation project
Structural warranties for extensions
Extending your commercial or residential property? Get peace of mind over your extension’s structural integrity, waterproofing and more.
Structural warranties for structural alterations
Making structural alterations? Get structural warranties for plans to remove load-bearing beams or walls.
Loft conversion structural warranties
Get structural warranties for loft conversions and any refurbishments that require roof alterations.
Floor structure modification warranties
Get dedicated insurance for any renovation projects that require modification to your flooring structure or foundations.
Refurbishment structural warranty FAQs
Do I need a renovation structural warranty to get a mortgage?
This varies on the extent of your renovation – if you have carried out renovation works on an existing residential property, you may not require a structural warranty to get a mortgage.
However, if you are converting a property that was not previously considered a residential dwelling, then many lenders will consider this to be a ‘new’ residential building, and may require a renovation structural warranty in order to grant you a mortgage.
How much does the structure of a property have to change to qualify for a structural warranty?
There’s no universal threshold for how much a structure of a property has to change in order to qualify for a structural warranty.
At Build Secure, we’re happy to consider most projects that involve some element of structural change or addition to your existing building envelope.
If you’re working on a particularly unique or complex project and are unsure whether you are executing sufficient structural works to require a warranty, get in touch to discuss and our expert team will help.
