Buyers of a residential and commercial properties, even tenants are protected against the costs of correcting structural defects if a structural warranty / latent defects policy is in force.

If there is something structurally wrong with the property such as damp, the drains not working, poor workmanship, wall cracking the latent defect insurance provider will rectify at their cost.

A very common latent defect is cracking masonry walls which can happen for many reasons. 

Winter in the UK can bring some extreme weather; snow, freezing temperatures, rain and wind. These conditions alone can test the property structure and expose any construction weaknesses over time.

Latent Defects Insurance / Structural Warranty Cover still remains a vital part of protecting residential, commercial and mixed-use developments from the costly damage that can be caused by latent defects.