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Structural Warranty

Protek Group Limited

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Arranging a 10 Year Structural Warranty on your project from the outset is important, even more so with the New Building Safety Act. Our structural warranty provides cover against defects in the design, workmanship and materials, and includes failure to comply with Building regulations and Contaminated Land. They are considerably wider protection than that offered by an Architects or Professional Consultants Certificate.

Your Liability Under the Defective Premises Act. Not only will a structural warranty offer you protection against your liability under the Defective Premises Act for 10 years, but the inspection process instigated during the build will ensure your project is being built to a good standard and in accordance with the approved design. This is especially useful if you have no construction experience.

‘A’ Rated Insurer The cover under a Protek Self-Build Warranty is backed by an ‘A’ rated insurer and each customer is covered under the Financial Services Compensation Scheme. The insurer is fully licensed to provide insurance in the UK unlike others. Not all providers offer this level of protection. Under the new Building Safety Act time limitations for bringing a claim against the original developer (that’s you) are being increased to 15-years. An Architect’s or Professional Consultants Certificate (which offer very limited protection anyway) will not go beyond 6 years. Prospectively these changes to the Act are likely to include renovation projects too.

No two-year defects period. Critically, the structural warranty is designed to protect the policyholder from day one following completion, which means there is no two-year defect period to worry about.

What is a defect period? It’s a time  period (usually two years from the date of completion) where whatever goes wrong with the house will become your responsibility. Clearly having just built the property, you are unlikely to have the financial resources available to fix a serious structural defect or major waterproofing issue, so while they are cheaper, these policies are unlikely to be suitable. 

Accepted by Lenders We have comprehensive lender approval. For more information on which lenders have confirmed the acceptance of the structural warranty policy please click here.

Protek is a direct site insurance and structural warranty provider. We specialise in new builds, renovation, extension, and conversion projects, ranging from self-build to mainstream development. 

We are very experienced in the self-build and custom build sectors and genuinely understand the risks you face during your project. Our knowledgeable team will assist you in understanding what cover you need to get in place and when. Our expertise is reflected in the products we offer which are designed to help protect you against expensive unforeseen losses which frequently result in claims.

Construction, renovation, and extension projects are complex when it comes to understanding who is responsible for insurance. Relying on a builder telling you they are fully insured is not advisable. Likewise, assuming home insurance is suitable to adequately cover an extension project can be a risky strategy and may not protect you against the real-life losses that can occur on a project. 

We are on hand Monday to Friday to help you get cover in place and our website will enable you to get an indication or quotation in minutes. Once you’re building our structural warranty inspection reporting is online, making it simple for you to keep track of the build from wherever you are.

We publish an essential guide to insuring your project which many self-builders find useful. You can download a copy here

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