How structural warranty cover works
Five steps from your first enquiry to a final certificate for every home - and what we need from you along the way.
- Instant response
- Insurer quotes usually within one working day of your proposal
- UK FCA Regulated Broker
- 10 and 12 year cover
- Large and small Island sites welcome
The process
Five steps to a structural warranty
Tell us about the project
The island, the address, what you are building, how many homes and where you are up to. The short form takes a minute.
Initial assessment
We match the scheme to providers who cover your island, build method and stage, and tell you what they will need to see.
Your quote
A written quotation naming the provider, with the premium, inspection fees and our fee shown separately, plus our terms of business.
Technical review and inspections
Once you accept, the development is registered. The provider reviews the design and its surveyor inspects the work at key stages.
Warranty issued
When each home is complete and signed off, the provider issues its final certificate - ready for your buyer's lender and advocate.
Inspections
What happens during the build
The provider's surveyor visits at the stages that matter most to the structure. The exact points vary by provider and by scheme, but they typically include:
- foundations and below-ground work, before they are covered
- the superstructure - walls, frame and floors
- the roof structure and the building envelope
- pre-plaster and completion checks
On the islands we agree these stages with you before you start, so visits can be booked around flights and ferries and the build is not held up. If the surveyor finds something that needs putting right, it is dealt with on site and signed off before the final certificate is issued.
What we need from you
Information that speeds up your quote
- Site address and a short description of the development
- Number of homes or units, and the type of each
- Estimated build cost, rebuild cost and sale values
- Construction method - foundations, walls, roof and cladding
- Planned start and completion dates, or where the build is up to now
- Planning and building control status
- Your experience and your contractor's, if different
- Drawings and any ground investigation, when you have them
Before cover is arranged
We give you our terms of business and confirm your needs in writing before any cover is bought, so you know exactly what you are getting and from whom.
During the build
Tell us, or the provider, about any change to the design, build method, contractor or programme. It keeps your cover in step with what is actually being built.
After completion
The final certificate stays with the home for the policy period. If an owner ever needs to make a claim, it goes to the provider or insurer named on the certificate.
How it works - common questions
How quickly can a structural warranty be arranged?
Fast. Every enquiry gets an instant reply with your reference, and we usually call you the same working day. Once we have your completed proposal and drawings, insurer quotes usually come back within one working day. Retrospective cover and unusual sites can take longer while the provider reviews them, so the earlier you ask the better.
Do I pay anything before I accept a quote?
No. Our quotations are free and there is no obligation. Premium and fees only become payable once you accept the terms and the development is registered, and our broker fee is only charged on success - if we do not arrange your cover, you pay us nothing.
Who carries out the inspections?
The warranty provider appoints its own surveyors. They inspect for the provider's technical standards and are separate from the island's building control, although the two often look at the same stages.
Start with step one
Tell us about your project in under a minute and we will take it from there.
- Takes under a minute
- Instant reply by email with your reference
- Insurer quotes usually within one working day of your completed proposal
- Guernsey, Alderney, Sark, Jersey and the Isle of Man
- Free and no obligation
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