What is Structural Warranty Protection?
10 year Structural Warranty (Latent Defects Insurance)
For developers, builders and self-builders. We can offer competitive quotes for an A rated 10 year structural warranty based on the build cost of a development as opposed to the market selling value.
We firmly believe in the importance of forging a strong relationship during this process with customers having one assigned manager. All policies are underwritten by an A* rated insurer, ensuring clients receive the highest level of cover available in the market.
UK mortgage lenders insist on structural defects insurance from a recognised provider before lending on any property under ten years old. We can arrange a 10 year structural warranty product with providers that are accepted by the vast majority of the UK lending panel.
Professional Consultants Certificates
The cost effective alternative to structural warranties.
The new build PCC has been pre-approved by the Council of Mortgage Lenders (CML). The main advantage being that the majority of lenders will offer a mortgage against it.
This can prove extremely valuable if; you are selling the property and the purchaser needs a mortgage; draw down some funding, release interim payments if you wish to raise a Buy-to-Let mortgage against the property.
Our brokers for this certificate are very hands on, friendly and efficient. Who know how very important quality customer contact is. So they give you a personal service, where you can always talk to someone at the end of a phone.
The complete certification process provides peace of mind, and proof that your new home has been thoroughly inspected (PWA produce a full building condition report) audited & ‘signed off’ by a suitably qualified building professional (eg: RIBA) enabling your mortgage lender to release funds.
If you realise part way through the build or at the end of the build you haven’t instructed a warranty company they can provide you with a quote for A Retrospective Architect’s Certificate – even if the project is built, we can help.
Who Is It For
Structural warranty protection is suitable for:
- Homeowners purchasing new builds or converted properties
- Landlords investing in residential or commercial properties
- Property developers and builders offering warranties to clients
- Property owners who are a Tenant involved in leasehold arrangements requiring warranty protection
- Businesses or individuals involved in Buying or Selling newly built or renovated properties
Why Choose This Insurance
- Provides long-term protection for new builds and major renovations
- Ensures financial security against costly structural repairs
- Offers peace of mind for homeowners, landlords, and property investors
- Flexible policies tailored to property type and construction method
- Access to expert claims support and professional assessment
Important Considerations
- Confirm which structural elements are included in the policy
- Review exclusions for wear and tear, maintenance issues, or cosmetic defects
- Understand coverage duration, typically 10 years for new builds
- Ensure warranties meet lender, buyer, or regulatory requirements
- Consider optional add-ons for additional non-structural coverage
Protect Your Property Today
Safeguard your property against structural defects with tailored warranty protection.
SynergiseUK works with specialist insurers providing structural warranty protection for new builds, renovations, and conversions, ensuring robust coverage for property owners and investors.
Frequently asked Q&A's
Structural Warranty Protection provides cover for new build or renovated properties against major structural defects, such as issues with foundations, walls, roofs, or load-bearing elements.
It is essential for homebuyers, property developers, builders, and construction companies in the UK to protect against costly structural faults in residential or commercial properties.
Cover typically includes major structural defects, repair costs, remediation of faulty workmanship, and legal expenses related to construction issues.
Policies usually provide cover for 10 years, with the first 2 years covering defects in materials or workmanship, and the remaining period covering major structural issues.
Yes — Structural Warranty Protection covers newly constructed properties and sometimes significant renovations or extensions, subject to insurer terms.
While not legally mandatory, many mortgage lenders require a structural warranty for new build properties before approving a loan.
Yes — cover applies to structural defects discovered after construction, typically within the policy period, providing protection for the homeowner or developer.
Yes — Structural Warranty Protection usually covers defects caused by subcontractors, as long as the main contractor is responsible under the construction contract.
Exclusions often include wear and tear, cosmetic issues, damage caused by the homeowner, or defects outside structural elements, unless specifically added.
Premiums vary depending on property size, type, construction value, and coverage level, but policies are competitively priced to provide long-term protection.
Yes — in many cases, structural warranties can be transferred to a subsequent property owner, increasing resale value and buyer confidence.
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