Standard home warranties typically do not cover structural damage as these policies focus on systems and appliances rather than structural components.
Structural coverage usually requires separate structural warranties, often provided by builders for new construction. These structural warranties might last 10 years or more, unlike standard one-year home warranties. Some companies offer specialized structural coverage as separate products with specific requirements and limitations.
This means that if any covered structural component—such as the foundation, framing, or masonry—fails within that ten-year window, the homeowner can have the repairs addressed at no or minimal personal cost. These ten-year structural warranties are often provided by reputable contractors as a guarantee when they build a new home, or the homeowner may purchase such a policy separately through a third party.
Understanding the distinction between standard home warranties and structural coverage helps maintain appropriate protection through alternative means. Structural issues typically require coverage through builder's warranties, homeowner's insurance, or specialized structural policies. Regular structural inspections and maintenance remain homeowner responsibilities regardless of warranty coverage.
Structural Warranties and Older Homes
For existing homes, structural warranties are less common, and if available, they can be more expensive because the risk of damage increases with a home’s age. If you’re interested in purchasing a structural warranty for an older property, confirm whether an existing warranty remains active by checking with the realtor, the contractor who built the home, or the previous homeowner. In any case, because structural repairs tend to be among the costliest, homeowners who have access to a valid structural home warranty can benefit significantly from the financial protection it provides.
