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Latent Defect Insurance

Latent Defect insurance provides cover against the costs of defects that occur after a structure or a building has been constructed.

These costs could include repairs to or the replacement of damaged property and to pay for the prevention of imminent further damage caused by a defect. These defects could be in the workmanship, design or materials that were used in the building and has now resulted in physical loss or damage. A latent defect policy can be arranged for a period of 10-12 years and the insured must have an insurable interest in the property.


  • There is no need to go down the traditional and costly route of litigation which is required to take place before the repairs begin. This means that latent defect cover enables the structure or building to be returned to use a lot more quickly.
  • The policy does not contain a cancellation clause and is assignable to future owners and/or tenants of the building.
  • It provides insurance protection to repair or replace damaged property even if the contractors are no longer trading.

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