Home Warranty has rules about:
The timeframes and amounts depend on the type of issue, the building work and the circumstances of the claim.
Home Warranty is subject to eligibility requirements, limits, exclusions and claim assessment.
Home Warranty cover depends on the type of issue.
| Issue | Cover period |
|---|---|
| Major defects | Up to 6 years after the eligible domestic building work is completed |
| Other defects or non-compliant work | Up to 2 years after the eligible domestic building work is completed |
Major defects may include:
Other defects are defects or non-compliant work that are not major defects and are not minor cosmetic differences.
Home Warranty does not cover minor cosmetic differences between the completed work and the plans and specifications in your building contract. You can read BPC’s minor cosmetic difference determination for examples of circumstances where assistance will not be available.
Act as soon as you become aware of a problem.
Different claim timeframes apply depending on the type of claim.
| Type of claim | When the claim must be made |
|---|---|
| Incomplete work, including costs to secure the building site | Within 12 months after the relevant insurable domestic building contract event happens |
| Defective or non-compliant work | Within 12 months after you first become aware, or should reasonably have become aware, of the issue |
| Accommodation, removal and storage costs | Within 28 days after the costs are incurred |
Do not wait until the cover period is about to end. A claim must be made within the required claim period.
For incomplete work, an insurable domestic building contract event may include where the builder:
The maximum amount of assistance available under Home Warranty is $400,000 in total per home.
Other limits may also apply.
| Type of assistance | Limit |
|---|---|
| Maximum amount of cover | Up to $400,000 in total per home |
| Incomplete work | Capped at 30% of the total contract price, including agreed variations |
| Lost deposit where work has not started | May be covered, subject to eligibility, scheme limits and claim assessment |
| Accommodation, removal and storage costs | Up to $12,000 |
| Securing a building site | Up to $5,000 |
The amount of assistance available may depend on:
If you think there is a problem with your building work, act early and keep records.
Keep copies of your:
Limits on the period of cover and timeframes for making a claim apply. Do not wait to seek advice.
