Damage caused by a defect
This section provides cover for damage as a result of a defect to certain parts of your home, as long as the minimum claim value (see policy document) is exceeded.
In years three to 10 of the policy
From the end of the builder warranty period until the policy expires (typically eight years), we provide insurance cover for damage caused by defects in specific parts of the home.
Noticed damage after builder warranty has expired?
In this period of the policy, cover is provided where there is damage to your home because the builder failed to build specific parts of the home to NHBC's requirements. The damage or issue must have occurred and be notified to us during this period of the policy.
Type of cover we offer
Alternative accommodation or loss of rent
Cover is provided for the cost of alternative accommodation or lost rental income if work needs to be carried out to your home because of a defect or damage covered under the insurance cover period.
Contaminated land
Cover is provided for the cost of improving the condition of contaminated land. See your policy document for terms, conditions and exclusions.
Watch this video to learn about the next steps if your claim is valid
This video covers:
How long does it take to validate a claim?
What happens once a claim is accepted?
What if you need to move out?
Do you have any questions?
If you are not sure what your policy covers or need help making a claim, our frequently asked questions may be useful.
Stages of Buildmark cover
Buildmark is our 10-year warranty and insurance cover for new build homes. The cover is split into different sections. Insolvency cover after exchange of contracts, a builder warranty and NHBC Guarantee for two years after completion and then eight years of insurance cover against defects to certain parts of the home.
In years three to 10 of the policy
After the builder warranty ends, we provide insurance cover (usually for a period of eight years) until the expiry of the policy.
Find out moreYour policy booklet and certificate
Your conveyancer should have provided you with an NHBC Buildmark policy booklet and insurance certificate which explains your cover.
Buildmark
Can't find your policy documents?
Download your Buildmark policy documents or request an insurance certificate.
Buildmark
Need to make a claim?
Find out what you should do if you need to make a claim on your Buildmark policy.
Homeowner resources and information
Frequently asked questions
Check out our list of FAQs for homeowners or people looking to buy a new-build or newly-converted home.
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Consumer Codes
Industry-led schemes which give protection and rights to the buyers of new homes, ensuring they are treated fairly and are fully informed about their purchase.
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