Retrospective Building Warranty Services | GBW

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Retrospective Building Warranty

Are you buying or selling a property that was been built, converted, or undergone a major refurbishment in the last 10 years? If the property is not covered by an existing structural warranty, architect’s certificate, then a retrospective building warranty is required. A completed housing warranty is required by most mortgage lenders before any funding or sales can be progressed.

Here at Granite Building Warranties, we have over 25 years of construction and development experience as well as market-leading expertise and respected relationships with warranty providers. Continue reading to learn more about obtaining a completed housing warranty through us.


What is a retrospective building warranty?

A replacement building warranty cover is a form of insurance that is taken out on completed homes that have been built, converted, or renovated in the last 10 years. It will cover any defects that might be found in the structure of the property and a warranty must be in place before a purchase is made. If a structural home warranty has not been taken out on the property, then a completed building warranty must be taken out to cover the cost of repairs. It is a requirement for all mortgage and lending companies that a warranty be in place before any sale or remortgage can take place.


What does the warranty cover?

The warranty is designed to cover the owner of the property where any structural fault is discovered, and remediation is required. It covers any new build, conversion or major refurbishment including houses, flats, bungalows, and barn conversions. However, the policy only covers properties built, converted, or renovated in the last 10 years, and will not cover any property that is older than this timeframe.


What does a typical warranty include?

  • Retrospective Warranty covers the remaining ten years from the date of building regulations approval
  • A one off payment that covers all survey and insurance costs
  • For residential units, there is a £1,000.00 excess per claim per residence
  • In the case of structural damage, insurance will cover the cost of whole or partial reconstruction, including professional costs and demolition
  • For the duration of the policy, our coverage is completely assignable to any future purchaser
  • We are UK Finance (formerly CML) approved, recognised, and acknowledged by mortgage lenders and many high-street banks
  • FCA Monitored
  • Peace of mind and the ability to sell or remortgage

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Granite Building Warranties Ltd is an Appointed Representative of Richdale Brokers & Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
Granite Building Warranties is a company registered in England and Wales (Company Number 11497543) with its registered office at 1st Floor, 5 Century Court, Tolpits Lane, Watford, WD18 9PX