Latent Defects Insurance (or also known as Building Warranty Insurance or Structural Warranty Insurance) is usually required by Property Developers, Finance Providers or New Build Contractors, amongst others, for both Commercial and Residential Properties.

In principle, an Insured can be anyone who has an interest in the property.

The policy covers Faulty Design, Workmanship or material problems or Defects for up to a period of 12 years of practical completion by repairing, replacing or strengthening the property.

Some advantages of Latent Defects Insurance:

  • Allows an easier sale of the property to Third Parties
  • No negligence needs to be proved – just the discovery of defect at the premises
  • Cover can be fully assigned thereby providing security to future owners/leaseholders

And if you’re a Building Contractor or involved in your own Self Build project Latent Defects is an area of cover you should not neglect as it may leave you financially exposed in the future if something goes wrong.

That’s the technical stuff over now….

This is what we can do for you:

  • It’s our job to simplify the whole process for you so you’re covered in the quickest possible time
  • We can cover Existing and Finished projects
  • With over 30 years experience in Latent Defects we know our way round to get you the best results
  • We can significantly improve your chances of getting Latent Defects cover!

You should get it right first time – Simply get in touch with one of our Team who will assist you... Email Us on info@titan-insurance.com or Call 02077313700

More about Latent Defects Insurance

What is Latent Defects insurance?

Latent Defects Insurance (also known as Structural Warranty Insurance) is usually required by Property Developers, Finance Providers or New Build Contractors for Commercial and Residential Properties. The policy covers Faulty Design, Workmanship or Material problems or Defects for up to a period of 12 years following practical completion by repairing, replacing or strengthening the property.

What does Latent Defects insurance cover?

A Latent Defects Insurance policy covers faulty design, workmanship or material problems or defects following practical completion by repairing, replacing or strengthening the property. The policy starts at practical completion for up to a period of 12 years and covers structural damage (and the resultant damage) arising, threat of structural damage, waterproofing and defective design. Insurers normally appoint a surveyor to carry out inspections and monitor the project during the construction period.

What are the benefits of Latent Defects insurance?

The insured property is protected against any faults or defects after the building works have finished. No negligence needs to be proven – just discovery of the defect at the premises, unlike an Architect’s Certificate where you have to prove any negligence by the Architect in the design work (which could take a lot of time and money to do so if they deny any wrongdoing). Having this policy allows for an easier sale of the property to Third Parties as it will satisfy the lender’s requirements. The policy can also be fully assigned thereby providing security to future owners/leaseholders.

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