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NHBC Warranty / Re: Leaking roof NHBC have accepted the claim
« Last Post by New Home Expert on November 21, 2023, 06:22:35 am »I don't believe that a cash offer from the NHBC even if refused fulfils their obligations under the warranty.
They can offer it, but under the warranty the obligation is to rectify defects covered by the warranty, not pay-off claimants.
That said many new home buyers do take the NHBC money, especially when it is minor defect for example, unsightly poor workmanship brickwork, where the buyer takes the £2,500 and has the money and lives with the brickwork.
The warranty lasts until rectified, if the defects are notified before the warranty period expires.
This means that even if the defects are addressed and not done properly, the NHBC still on the hook.
But, be aware they can play the "it's a maintenance issue" "storm damage" "erosion" "normal wear and tear" to avoid paying out!
At the end of the day you can complaint to the Financial Ombudsman Services as NHBC warranty is insurance.
But the FOS take a long time, with first an assessor who after six months, will try and fob you of with a few hundred and you then insist on an actual ombudsman which will be 3 months before they even allocate it to an Ombudsman and another 3 months before they reach a decision.
I know this, as I am a year into this process with a complaint about Nationwide Building Society.
They can offer it, but under the warranty the obligation is to rectify defects covered by the warranty, not pay-off claimants.
That said many new home buyers do take the NHBC money, especially when it is minor defect for example, unsightly poor workmanship brickwork, where the buyer takes the £2,500 and has the money and lives with the brickwork.
The warranty lasts until rectified, if the defects are notified before the warranty period expires.
This means that even if the defects are addressed and not done properly, the NHBC still on the hook.
But, be aware they can play the "it's a maintenance issue" "storm damage" "erosion" "normal wear and tear" to avoid paying out!
At the end of the day you can complaint to the Financial Ombudsman Services as NHBC warranty is insurance.
But the FOS take a long time, with first an assessor who after six months, will try and fob you of with a few hundred and you then insist on an actual ombudsman which will be 3 months before they even allocate it to an Ombudsman and another 3 months before they reach a decision.
I know this, as I am a year into this process with a complaint about Nationwide Building Society.