The presence of a structural defect can be one of the most difficult issues facing a homeowner. The structural warranty provides homeowners the assurance of knowing a structural failure will be addressed should it occur.
Warranty insurance coverage for the new home provides for the following repair or replacement of Defects or Structural Defects:
- Defects in materials and labour for a period of 1 year from the commencement date;
- Defects in the materials and labour in delivery and distribution systems for a period of 2 years from the commencement date;
- Defects in the building envelope for a period of 5 years from the commencement date;
- Defects in the building envelope for a period of 7 years from the commencement date, if extended building envelope coverage has been purchased; and
- Structural defects for a period of 10 years from the commencement date.
Structural Defect Definition
As defined in the Home Warranty Insurance Policy, a structural defect means “any Defect in the material, labour and design that results in the failure of a load-bearing part of the New Home and any Defect that causes structural damage that materially and adversely affects the use of the New Home for residential occupancy.” [p3 (A. xvi)]
The structural components of a home include the footings, piles, foundation walls, grade beams, teleposts, load-bearing walls, beams, floor systems, and roof trusses.
Following is a list of issues you may have noticed in your home; however, one or more of these symptoms does not necessarily indicate a structural failure.
- Binding of windows and / or doors
- Crack(s) in drywall at the corners of windows and / or doors
- Crack(s) in foundation wall
- Settling or uplift of piles or footings
- Notable differences in the level of floors
- Floor joist cracking
- Sagging or cracking of drywall ceilings
Frequently Asked Structural Questions