A new build warranty is a 10-year insurance-backed guarantee covering structural defects in a newly built home. It is a requirement for mortgage lending on new builds. But the cover is not as comprehensive as many buyers assume.\n\nThe Main Providers — NHBC (National House Building Council) is by far the largest, covering around 80 percent of new UK homes. Premier Guarantee (now part of MD Group) is the second largest. LABC Warranty is provided by Local Authority Building Control. Checkmate is a smaller provider popular with self-builders and smaller developers. ICW (Insurance Company of Wales) and Protek are other recognised providers.\n\nWhat the Warranty Covers — Years 1 to 2 (Defects Period): the builder is responsible for fixing any defects that breach the warranty standards. This includes problems with internal finishes, drainage, plumbing, and compliance with building regulations. You claim directly with the builder, not the warranty provider. Years 3 to 10 (Structural Insurance Period): the warranty provider covers major structural defects. This includes the foundations, load-bearing walls, external render, roof structure, floors, and staircases. It does not cover cosmetic issues, wear and tear, or non-structural elements.\n\nWhat It Does Not Cover — Central heating and boiler breakdowns (after year 2). Cosmetic cracking or shrinkage (new builds settle in the first 1 to 2 years). Landscaping and garden walls. Appliances supplied by the developer. Damage caused by the homeowner's alterations. Condensation and damp caused by inadequate ventilation (often argued as a lifestyle issue rather than a defect).\n\nThe Defects Period Is Critical — Years 1 and 2 are when most issues emerge and when your recourse is strongest because the builder bears direct responsibility. Commission a professional snagging survey (200 to 400 pounds) within the first few weeks. Report all defects to the builder in writing. Keep records of every communication. If the builder fails to address defects, escalate to the warranty provider.\n\nMortgage Lender Requirements — Most lenders require a warranty from a recognised provider to lend on a new build. NHBC, Premier Guarantee, LABC, and Checkmate are accepted by virtually all mainstream lenders. Less common providers may not be on every lender's approved list, which can restrict mortgage options. Check before exchanging contracts.\n\nSelf-Build Warranties — If you are building your own home, you need to arrange a warranty before starting construction. The warranty provider inspects at key stages. NHBC, Premier Guarantee, LABC, and Checkmate all offer self-build warranties. Without one, most lenders will not provide a mortgage on the completed property.\n\nClaiming — For defects in years 1 to 2, contact the builder directly. If they fail to respond, contact the warranty provider who may intervene. For structural issues in years 3 to 10, claim directly with the warranty provider. You will need evidence of the defect (usually an independent surveyor's report). Claims are assessed against the warranty terms, and disputes can be referred to the Financial Ombudsman if the provider is regulated.