10 Year Guarantee

NHBC Buildmark Warranty

Linden Homes is an NHBC registered developer and builder and as such we design and build not only in accordance with the Building Regulations, but also to the exacting NHBC Standards. Each home is inspected by the NHBC at key stages, thus ensuring our compliance with those standards. Who are/what is NHBC?

Established over 60 years ago, the National House Building Council is the leading independent regulator and standards setter for the new homes industry.

NHBC have a wealth of experience and their Standards have been drawn up and are kept updated and supported by Good Practice Guidance Notes which are sent to us periodically and with which we comply.

The NHBC's objective is to reduce the likelihood of defects in the new home, by working with us to promote good practice and the use of appropriate materials.

It is in the NHBC's interest to eliminate defects as they provide us with the Buildmark Warranty which we pass to you. You in turn may pass this on to whoever buys your home, should you sell it during the period of the Buildmark Warranty.

Buildmark covers the following:

  • Before the property is completed you are protected against our insolvency.
  • For the first two years after completion you are covered against physical damage to the home caused as a result of any failure on our part to meet NHBC standards.
  • For years three to ten NHBC provide direct insurance cover for the full cost (if more than £750) of physical damage caused to the home by a defect in the structure of the building.

Your Solicitor will have received the Buildmark Warranty Proposal which must be completed by your Solicitor and returned to the NHBC with your details in order for the Warranty to take effect.

Upon legal completion we will pass you a copy of the NHBC Guide to your New Home which explains the procedure if you have any problems with your new home.

NHBC Resolution Service

If a dispute cannot be settled amicably between us, the NHBC can become involved through its Resolution Service which is a simple way of resolving disputes.

The NHBC will investigate your complaint and may send an investigator to your home to meet with you and our representative. The investigator will look at the items in dispute and, where agreement is reached, will record the agreement in the report. Where agreement cannot be reached, the investigator will recommend what action, if any, may be required of us.

The NHBC will issue a report which, if appropriate, will require us to carry out work or actions within a set timescale. The timescale will depend on the complexity of the work or action required.

If you do not accept the NHBC's recommendations in settlement of the complaint, you may still refer your dispute to Arbitration. Arbitration is a process which is completely independent of both Linden Homes and the NHBC. The arbitrator will be appointed by the Chairman of the Chartered Institute of Arbitrators. This will produce a legally binding decision which both parties must accept and adhere to. In the unlikely event that you do not agree with this decision, then you would need to commence proceedings in the Magistrates Court.

Resolution may still be appropriate if your home is more than 2 years old, but only if you first reported the defect, in writing, to Linden Homes within the first 2 years (unless it is a structural matter).

If you find a defect which you believe we are responsible for under the Buildmark Warranty, you should advise us in writing to our Regional Office.

For further details of NHBC procedures please write to or telephone the NHBC office at:

NHBC
NHBC House
Davy Avenue
Milton Keynes
Buckinghamshire
MK5 8PF

Telephone: 0844 633 1000

(Please note that in certain situations we use Zurich rather than NHBC. In such cases you will be given separate details and reference to NHBC does not apply to you).

Zurich Building Guarantee

Linden Homes is registered with Zurich Building Guarantee as a developer and builder and therefore we design and build in accordance with both Building Regulations and Zurich's own additional requirements. At critical stages during construction Zurich's Surveyors inspect every home covered by their warranty in order to ensure as far as possible that the work complies with their required standards.

Who and what is Zurich?

Zurich is a global insurance based financial services company established in Switzerland in 1872 and now has offices in North America, Europe, Asia Pacific, Latin America and other markets. Zurich's 55,000 employees serve customers in more than 120 countries and started operating in the UK in more than 84 years ago, in 1922. They are the largest general insurer in the UK to offer a new home warranty and are controlled and regulated by the Financial Services Authority.

Backed by wide and extensive experience, Zurich's requirements are extensively researched and kept up to date in order to minimise the risk of defects or inappropriate materials causing problems. We are kept informed of changes and work with Zurich to ensure that we comply and together strive to promote good practice in our industry.

When Zurich are satisfied with what we have built they provide us with the Zurich 10 warranty, which we then give to you. The warranty covers your home and whoever may buy it from you in the future for a period of 10 years from when you exchanged contracts with us for your new Linden Home.

For full details of the warranty you must read your policy documents and there is also guidance your Zurich Home Owner's Guide. The policy and Zurich's requirements can be found on the website at www.zurich.co.uk/buildingguarantee.

Briefly the Zurich 10 warranty provides:

  • Cover for you against the loss of your contract exchange deposit in the unlikely event that we should become insolvent
  • For the first 2 years after you exchange contracts we are responsible under the warranty for the repair of physical damage caused by construction defects, but if we are insolvent or refuse to do necessary work Zurich will cover you
  • After the first 2 years the remaining period of the warranty is insured by Zurich and covers the cost of repairing physical damage to the structure of your home caused by construction defects

Important Note:

It is essential that you check your policy and the insurance certificate that comes with it for full and accurate details of the cover that applies to your home.

Your solicitor has been asked to provide Zurich with your details, and although not necessary for you to benefit from the warranty cover the information helps us and Zurich to provide you with the level of support and service you should expect.

Disputes and Warranty Claims

If we cannot reach an amicable settlement in a dispute between us about the need for a repair under the warranty that you reported to us in writing in the first 2 years Zurich will appoint independent loss adjusters to inspect. Based on their report Zurich will determine if warranty cover applies. If we disagree with their conclusions Zurich will carry out the recommended repairs themselves as a claim under the policy, if you disagree you may either ask for decision by an adjudicator appointed by the Chartered Institute of Building. Alternatively, or in addition, you may also refer the claim to the Insurance Ombudsman, Zurich will accept the decision in either case.

If you believe you may have a claim under the warranty at any time within the 10 year period you should report it to Zurich. Details of how to make a claim are in your warranty documents or can be found on Zurich's web site.

(Please note that in certain situations we use NHBC rather than Zurich. In such cases you will be given separate details and reference to Zurich does not apply to you).

Did you know?

Linden Homes has contributed over £12.8 million towards outdoor open areas throughout the UK since 2010.

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