Design Defects & Structural Faults / Latent Defects Insurance

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Long-term protection against hidden design, workmanship and structural defects in completed construction works

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GET A QUOTE NOW

We compare quotes from leading construction insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

LATENT DEFECTS & STRUCTURAL WARRANTY INSURANCE

Why Latent Defects Insurance Matters

Some construction defects only become apparent years after completion. Latent defects insurance (also known as structural warranty insurance) provides long-term protection against hidden design, workmanship and material failures that could otherwise lead to costly remediation and legal disputes.

What Latent Defects Insurance Covers

Protection for completed structures long after practical completion.


  • Structural failure of foundations, load-bearing walls and roofs
  • Design defects affecting the integrity of the building
  • Defective workmanship and materials
  • Water ingress caused by structural defects
  • Remedial and reinstatement costs
  • Cover typically lasting 10 or 12 years

Who Needs Latent Defects & Structural Warranty Insurance?


  • Developers and property investors
  • Design & build contractors
  • Main and principal contractors
  • Residential and commercial developers
  • Projects requiring lender or purchaser warranties
  • New build, conversion and major refurbishment projects

Why Choose Insure24


  • Access to specialist latent defects insurers
  • Support with technical audits and inspections
  • Cover aligned to lender and purchaser requirements
  • Experience across residential, commercial and mixed-use projects

FREQUENTLY ASKED QUESTIONS

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What is latent defects insurance?

Latent defects insurance provides long-term cover for hidden structural or design defects that become apparent after a construction project has been completed.

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How long does latent defects cover last?

Policies typically provide cover for 10 or 12 years from practical completion, depending on the insurer and project type.

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Is latent defects insurance the same as professional indemnity?

No. Professional indemnity covers claims against professionals, while latent defects insurance covers the building itself for structural defects, regardless of fault or insolvency.

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Do lenders require latent defects insurance?

Yes. Many lenders and purchasers require a recognised structural warranty as a condition of funding, sale or occupation.

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When should latent defects insurance be arranged?

Ideally at project inception or early in the build phase, as insurers often require technical audits and inspections throughout construction.

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