Structural Defects Insurance


Some recently built properties have a Lack of NHBC or Architect’s Certificate. Some newly built properties (and major conversions) are usually covered by a 10-year structural guarantee or an architect’s certificate confirming that the property is structurally sound. A lender will normally expect such a cover to be in place in respect of any property which is less than 10 years old and will be reluctant to provide a mortgage on the property. An insurance policy can be provided that protects the lender in the event that they incur losses because of the absence of the structural guarantee.

In what circumstances is cover required?

Where a valid NHBC Guarantee or Architect’s Certificate cannot be produced for an existing residential property.

Note. Cover is usually provided to a mortgagee only. For details of full structural defects cover please follow the link to Latent Defects insurance.

Product features:

Risks covered: Losses arising following repossession or forced sale of the property where there is a reduction in market value as the result of the absence of the NHBC certificate.

Costs and expenses incurred are covered with the consent of the insurer. Properties that are vacant for 30 days or more may require unoccupied property insurance.

Information needed:

  • Property address
  • Property value (or developed value in the event that development is to take place)
  • Use of the Property (both current and intended (if a change of use or development is intended)
  • Office Copy entries and filed plan
  • Date of completion of the build
  • Reason for the lack of certification

For further information about lack of NHBC certificate indemnity insurance or to get a quote, call our team on 0345 557 0845  or 01293 880700 or email us at or use the online chat at the bottom right of the page.