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Structural Warranty or Professional Consultant’s Certificate?

Posted 30th September 2022



When it comes to building a new home there are many things to think about. From your budget, to design to the legalities, it can often be overwhelming to know where to start. This is especially true when it comes to choosing the right certificates for your new build. Often, many homeowners are left confused when it comes to deciding between a Structural Warranty and Professional Consultant’s Certificates. The two are similar, so how do you know which one is right for you?

We have put together a quick guide to Structural Warranty VS Professional Consultants Certificates to help you decide which one is best for your property. 


Professional Consultant's Certificates


A Professional Consultants Certificate is a legal document that inspects and confirms the quality of the structure of your building. These certificates are issued by chartered architects and surveyors and typically last for 6 years from completion. Unlike Structural Warranty, a professional consultant's certificate is not an insurance document. Instead, it is a certificate ensuring the property was built in line with building control standards.

You may be wondering if you need a professional consultant certification for your home, and the simple answer is likely to be yes. These types of certificates are needed when remortgaging, selling or renting your property (with a buy-to-let mortgage). They ensure the property is safe for those buying your house. To receive a professional consultant certificate for your build, many different aspects need to be assessed. This includes foundations, roof structure, damp resistance, drainage and completion. 

One major benefit of a professional consultant certificate is cost-effectiveness. On average, Professional Consultant's Certificates cost around £2,500 whereas depending on the size of the project, Structural Warranty can cost up to £5,000.



Structural Warranties


A Structural Warranty is an insurance policy created to protect homeowners against defects in new build properties. It usually lasts for 10 to 12 years after completion and can be used for both residential and commercial properties.

A structural warranty offers comprehensive protection to your home. Policies are often designed to rectify the cost of repairing or replacing any structural, design, material or workmanship issues created throughout the home.  Structural Warranties are valid as long as the damage to the property was caused by a defect.

One advantage of Structural Warranty for homeowners is that the policies often transfer automatically between owners. This means that in the event of a structural defect, any problems can be rectified easily without having to establish who is responsible for the damage, Unlike a PCC, a Structural Warranty doesn’t require any proof of negligence meaning if an issue arises, damages can be paid for relatively simply.



Ready to find out more?


Whilst it may be tricky to choose between the two, the ultimate decision will be down to what benefits you the most. Get in touch with our friendly team on 0800 404 5804 who can advise on what's best for you. 

 

Check out our Frequently Asked Questions for more information on how Professional Consultants Certificates work. Alternatively, follow our simple guide and get a quote to see how we can help you achieve a professional consultant certificate for your new build.
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