In most circumstances contractors will seek to provide a short term warranty or perhaps a warranty for 10 years under contract or 12 years under deed, which whilst laudable rather presumes that they will be around to deal with that repair and have the money available to do so.

For clients who would rather not take that risk latent defects insurance is a better option, allowing them to make claims for defects even if the original contractor is no longer in business.  We use a number of providers depending on your clients appetite for risk and their ability to meet the premiums charged by the better providers.

At a glance...