Latent Defect insurance

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Latent Defects insurance for construction peace of mind

Latent Defects insurance (LDI) is a specialist insurance product that provides financial protection against construction defects that aren’t solved by the original contractor.

They cover defects that manifest themselves during the policy period – usually 10- or 12-years following completion of the contract works. If there is something fundamentally wrong with the property, such as walls cracking, penetrating damp or drains not working properly, the policies cover the costs of fixing any defects.

LDI is not compulsory, but mortgage lenders will usually insist upon it before lending against a property. Having this in place in advance will typically be cheaper for your business but will also improve your cash flow by preventing hold-ups further down the line.

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