Building Defects Insurance

Your new home comes with the peace of mind of a BLPSECURE warranty, so you have the reassurance that your new home is built to the most exacting standards of construction.

How it works

The BLPSECURE warranty is an insurance policy that is designed to cover you against structural defects in the property that were not discovered prior to completion, and that would represent a significant expenditure for a buyer to put right.

A "structural defect" is a fault in the design or construction of the load-bearing portions or weatherproofing of the property. Examples of the load-bearing portions of the property include the foundations, external and internal walls, floor and roof structures. Examples of the weatherproofing include the outside wall face, windows, doors and the roof covering.

We hope that you don't need to make a claim under your insurance policy, but we understand that things do occasionally go wrong in any new building, even after rigorous technical inspections.

Claims will be handled by Allianz Global Corporate & Specialty AG, UK Branch, but in the first instance you should contact BLP. We are here to help and will process any valid claim as quickly as possible to minimise any disruption or inconvenience. In order for us to deal with the claim speedily and fairly we must be fully aware of the circumstances and also of what action, if any, you propose. You may already have begun investigation into the problem or you may have no idea of the cause. In particular, you should be aware of the following obligations:

a) You must give written notice to the insurers as soon as possible, by writing to BLP
b) You must take all reasonable precautions to prevent damage
c) You must, within 60 days of the manifestation of the defect or damage, submit in writing to the insurers such details of the claim as are then available
d) You must supply, or to the extent this is not possible, assist in procuring all reports, certificates, plans, specifications, quantities, information and assistance as may reasonably be required by the insurers.

To notify us of a claim you should call BLP on 020 7204 2424, quoting your policy reference number. You will be asked for a brief summary of the claim or circumstance, and you will be sent a claim form for completion. Do not worry if you cannot answer all the questions on the form; some may not be relevant to your particular claim. You should return the completed form to:

Claims Department, BLP, 90 Fenchurch Street, London EC3M 4ST

How each claim is actually handled will depend on the individual circumstances. The defect will have to be assessed and an inspection may be undertaken by loss adjusters appointed by the insurers. You may be asked to arrange access to the premises for any inspection or opening up. Whatever the situation, it is imperative that we are informed as soon as possible. We will do everything we can to help you.