NHBC "Buildmark" - Building Guarantees

As a company Morgan Dakin Homes constantly strives to improve on the service and experience that its customers receive. With that in mind we cover all of our new properties with an NHBC "10 year Buildmark Guarantee". The "Buildmark Guarantee" offers our customers complete peace of mind and confidence in the quality of construction and practices adopted in the development of their new home. Below you will find listed some of the most commonly asked questions regarding "Buildmark Guarantees". Further information can be gained by either contacting us directly or by visiting the NHBC website www.nhbc.co.uk.

Why do I need cover on my home?

When you buy your new home you will need cover like Buildmark to help you secure a mortgage. Mortgage lenders prefer to lend on homes that have this type of cover because they know the home will have been built to specified standards of construction.

If you are buying a converted property your lender may not require you to have cover.  However, if you choose a converted property with Buildmark you will know that NHBC has carried out a technical investigation of the property to check its viability and that you have protection if problems arise.
What does "NHBC registered builder" mean?

Only builders and developers who can demonstrate financial security and technical competence can be registered with NHBC. They must demonstrate knowledge and competence in house building and construction and undergo a strict practical assessment, they must also agree to follow the NHBC Rules and to build homes to the NHBC Standards of Construction.
What is the NHBC?

The NHBC (National House Building Council) was established over 60 years ago and is the independent regulator and standard setter for the new homes industry. NHBC aim to help the house-building industry construct good quality new homes which meet the reasonable expectations of home buyers. NHBC registered house builders and developers, set standards of construction, inspect homes throughout the development process, promote best practice among house builders across the UK, and provide cover on new and newly converted homes. Since 1965, NHBC has provided cover on over five million homes.
Does Buildmark cover me against all faults and defects?

Buildmark is an insurance policy which covers you against specified risks which could be very expensive to put right. It does not provide cover for general wear and tear, condensation, normal shrinkage, damage arising from failure to maintain the property or minor faults which first appear after the second year. When you move into your new home you will receive NHBC's "Guide To Your New Home". It contains useful information about "running in" your new home. An NHBC video is also available free from your builder.
How does NHBC check that my builder complies with the Standards?

During the construction of every new home, NHBC Inspectors carry out inspections to satisfy themselves that the homes conform to the NHBC Standards and are an acceptable risk for the "Buildmark" cover. An Inspector will visit each property at various stages to check the elements that you would normally not see, for example the foundations, the superstructure and damp proof course, drains, roof construction and bracing and the cavity wall insulation.
Who pays for the Buildmark Cover?

The cost of "Buildmark" is included in the purchase price of your new home. Your builder pays the premium directly to NHBC. The premium is based on a scale of charges relating to the sales value of each home.

What if I sell my home before the ten years expire?

If you sell your home while "Buildmark" is still in force, the benefit of the rest of the cover automatically transfers to the new owners. You should pass the "Buildmark" documents to the new owner.
What are NHBC Standards and who sets them?

NHBC Standards are the definitive standards for house construction and conversion in the UK and have been developed over many years. They are set by a committee representing all relevant organisations interested in improving the quality of new and converted homes. Builders, consumer organisations and professional institutions are represented on the committee. They take into account the Building Regulations, British Standards and NHBC's own claims record of defects. NHBC believe that prevention is better than cure, so the Standards are continually improved to minimize defects.
 
 

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