Latent defects insurance

Offering long-term reassurance for building owners and developers by protecting against the cost of defects throughout a building’s lifecycle.

Managing long-term risk

At BB7, we provide Latent Defects Insurance (LDI) to help our clients manage long-term building risk and ensure ongoing performance. LDI is designed to protect against hidden structural or façade defects that may not be immediately apparent, giving building owners, developers, and residents peace of mind throughout the lifecycle of a property.

Our LDI offering delivers:

  • Support for developers in meeting warranty requirements and funding obligations

  • Confidence for building owners and residents that their investment is protected

  • Integration with our existing assurance services complementing façade engineering, fire safety, and compliance expertise

We provide residential and commercial latent defect insurance, offering sector-specific protection that meets the unique needs of each building type, providing compliance with sector-specific regulations, and ensuring lasting accountability.

Phone

+44 (0) 203 603 5535

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    Residential Latent Defects Insurance (LDI)

    We offer residential latent defects insurance to provide long-term protection for new homes and apartments, or residential schemes of multi-unit developments. LDI gives developers, mortgage lenders, and homeowners confidence that their investment is safeguarded against hidden structural risks.

    Why Residential LDI is Required

    Mortgage lenders commonly require latent defects insurance as a condition of sale on new residential developments. It is also often a stipulation from housing associations or regulatory bodies to ensure that properties are protected from unforeseen structural risks. By having a robust LDI policy in place it reduces risk for lenders, demonstrates accountability and compliance for communities, and provides reassurance for buyers.

    BB7 can provide –

    • Term: 10- or 12-years (where applicable for social housing developments)

    • Optional Extensions: deposit protection, loss of rent, mechanical & electrical faults, non-compliance with building regs

    Commercial Latent Defects Insurance (LDI)

    We offer commercial latent defects insurance to safeguard a wide range of commercial properties, including offices, hotels, retail units, industrial buildings, and mixed-use schemes. This insurance protects developers, investors, and funders from hidden structural defects, providing confidence in long-term asset performance.

    Why Commercial LDI is Required

    Commercial latent defects insurance is commonly used to protect valuable assets, support forward sales, or satisfy investor and funder requirements. It ensures that latent defects are covered, helping clients manage financial and operational risk while safeguarding revenue streams.

    BB7 can provide –

    • Term: 10- or 12-years (depending on requirements)

    • Optional Extensions: change of usage (from commercial to residential), loss of rent, mechanical & electrical faults, non-compliance with building regulations

    Talk to us about your LDI requirements

    Our team of experts are on hand to discuss your requirements. Together, we can establish long-term protection for your projects.

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