JennyF Posted January 11 Share Posted January 11 Can anyone recommend any Warranty providers for a new build in Scotland please? Kind regards Jenny Link to comment Share on other sites More sharing options...
saveasteading Posted January 11 Share Posted January 11 What do you mean please? What stage are you at? Link to comment Share on other sites More sharing options...
nod Posted January 11 Share Posted January 11 We have used CMLC this time Half the price of most Link to comment Share on other sites More sharing options...
Kelvin Posted January 11 Share Posted January 11 (edited) 9 minutes ago, nod said: We have used CMLC this time Half the price of most Same here. (Scotland too) Just keep in mind it’s technically not a warranty. Edited January 11 by Kelvin Link to comment Share on other sites More sharing options...
nod Posted January 11 Share Posted January 11 In fairness We have used CMLC this time Half the price of most In fairness They rarely payout But lenders want that bit of paper should you need to sell Link to comment Share on other sites More sharing options...
JennyF Posted January 11 Author Share Posted January 11 9 hours ago, Kelvin said: Same here. (Scotland too) Just keep in mind it’s technically not a warranty. Hi Kelvin, we need a warranty for our lenders. Could you expand on the ''technically not a warranty' element please? Did you need your warranty for lending purposes. Many thanks in advance. Link to comment Share on other sites More sharing options...
Kelvin Posted January 11 Share Posted January 11 3 hours ago, JennyF said: Hi Kelvin, we need a warranty for our lenders. Could you expand on the ''technically not a warranty' element please? Did you need your warranty for lending purposes. Many thanks in advance. It’s not like the NHBC warranty that covers building defects in the first two years. This covers years 2-10 for things like foundations or drainage. It’s why it’s cheaper. If you just need it for the lenders then it should be ok. Check with your lender. We don’t have a mortgage but went with it in case we decided to sell within 10 years and the buyer’s were taking a mortgage out. Link to comment Share on other sites More sharing options...
Blooda Posted January 12 Share Posted January 12 15 hours ago, JennyF said: Hi Kelvin, we need a warranty for our lenders. Could you expand on the ''technically not a warranty' element please? Did you need your warranty for lending purposes. Many thanks in advance. It's an insurance policy - it says "Certificate of Insurance" on the top of ours. It's limit is for a total value of the reinstatement at the time, so will not increase with inflation. I am sure in the event of major claim there will be toing and froing between them and the provider of the Buildings Insurance. We only took one out as we were going for a mortgage. 1 Link to comment Share on other sites More sharing options...
N-New Build Posted January 17 Share Posted January 17 Have you tried Protek? Link to comment Share on other sites More sharing options...
JennyF Posted January 22 Author Share Posted January 22 On 17/01/2024 at 12:47, N-New Build said: Have you tried Protek? Yes, have got a quote from Protek for both site insurance and Structural warranty. Would you recommend them? They are coming in cheaper than the Build Store. Link to comment Share on other sites More sharing options...
PNAmble Posted January 22 Share Posted January 22 56 minutes ago, JennyF said: Yes, have got a quote from Protek for both site insurance and Structural warranty. Would you recommend them? They are coming in cheaper than the Build Store. I’m with protek for both only because I needed SW and SI for my mortgage and they were the cheapest. Warranty inspector is a strange character and seems to try to prove he’s better than the LABC BCO, has zero knowledge of timber frame builds 🤷🏻♂️. The warranty isn’t really a warranty in my mind as they insist on seeing all the other insurances and structural insurances including having to purchase a separate Insurance Backed Guarantee for my flat roof. I suspect IF I had to claim they’d just push it on to someone else’s insurance. If I hadn’t needed a mortgage I wouldn’t have either apart from public liability insurance. Link to comment Share on other sites More sharing options...
JohnnyB Posted June 8 Share Posted June 8 On 22/01/2024 at 22:11, PNAmble said: The warranty isn’t really a warranty in my mind as they insist on seeing all the other insurances and structural insurances including having to purchase a separate Insurance Backed Guarantee for my flat roof. I suspect IF I had to claim they’d just push it on to someone else’s insurance. Would you mind elaborating? I'm looking at using Protec as they are the cheapest quote I've had but if I needed to buy additional warranties to top to cover things out won't work out cheap. I'm doing a lot of work myself, including making the timber frame on our annexe, and don't want loads of extra added after I've committed. Link to comment Share on other sites More sharing options...
PNAmble Posted June 9 Share Posted June 9 12 hours ago, JohnnyB said: Would you mind elaborating The structural warranty (mine is protec but assume all is the same) requires to see all the certificates and guarantees. It excludes flat roofs and ‘forces’ you to pay for an insurance backed guarantee - unless your roofer provides it as part of his guarantee - most smaller roof companies don’t offer this - I am still jumping through hoops to get this sorted. my understanding is that if you claim on the structural warranty the first thing they do is chase all the original guarantees and try to get them to pay out first, so many claims take quite a while whilst this chasing is happening. But without a structural warranty including the flat roof part a) it’s very difficult to mortgage b) very difficult to sell in the first 10 years. 1 Link to comment Share on other sites More sharing options...
JohnnyB Posted June 9 Share Posted June 9 1 hour ago, PNAmble said: It excludes flat roofs and ‘forces’ you to pay for an insurance backed guarantee I don't have a flat roof so that won't be an issue for me. What other certificates and guarantees are they asking for? Maybe I need to ask them for a list of everything they will be asking me for to check I have ticked all the right boxes on their form. They sound like they are self build friendly and I've told them I'm doing a lot of work myself and mostly using small local companies and trades people but it sounds like I need to check they are covering everything I need. Thanks Link to comment Share on other sites More sharing options...
John Keith Posted August 30 Share Posted August 30 On 11/01/2024 at 10:09, saveasteading said: What do you mean please? What stage are you at? He means he is going to build a new house which will need a 10 year structural warranty, and he is asking for recommendations such as LABC, NHBC, Build Zone, etc Link to comment Share on other sites More sharing options...
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