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NHBC meaning

What does NHBC mean?
NHBC (National House-Building Council) is the best-known UK provider of new-home warranty and insurance and a technical standards body, commonly referenced in conveyancing, development and lending documents. In practice, contracts and lender requirements often call for compliance with the NHBC Standards and for a valid NHBC Buildmark warranty on completion. Buildmark is an insurance-backed new-home warranty, typically for 10 years. It usually provides: (i) an initial period in which the builder/developer must remedy defects; and (ii) subsequent insurance cover for specified major or structural defects. It may include deposit protection and cover on builder insolvency. Buildmark is normally transferable to successors in title and relied on by buyers, landlords, funders and mortgagees. NHBC registers builders, inspects sites and issues documentation (for example, cover notes and final certificates) that are frequently used as conditions precedent in funding and development agreements. Many lenders listed in the UK Finance Mortgage Lenders’ Handbook accept NHBC warranties for new-build lending. “NHBC” is not a statutory or case-law defined term; it is an industry term used across England & Wales, Scotland and Northern Ireland with broadly consistent effect. In Ireland (Republic of Ireland), NHBC cover is not generally available; local schemes (for example, HomeBond) are commonly used.
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View the related News about NHBC

NEWS
Dispute resolution round-up: UKSC rules timeline, CPR updates, ADR changes, writs forms, key case law on cross-border disclosure, limitation, contempt and group claims—15 August 2024

In this issue: Key DR developments Claims and remedies Cross-border disputes Pre-action and limitation Case management Evidence and disclosure Dates for your diary Useful information Daily and weekly news alerts Key DR developments Consultations UKSC issues summary following consultation on Supreme Court Rules: The UK Supreme Court (UKSC) has released a brief digest of the submissions received, alongside its own reply, to the consultation on the Supreme Court Rules which closed on 17 May 2024. The exercise posed nine questions and attracted 28 submissions. For further information, see: LNB News 08/08/2024 25—UKSC issues summary and response on revision of Supreme Court Rules. Revised Supreme Court Rules anticipated December 2024: UKSC has also officially published an addendum to its ‘Consultation on revision of the Supreme Court Rules: Summary of responses and Supreme Court response’, first published earlier on 7 August 2024. The addendum notes: ‘This document refers to the revised rules as likely to...

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NEWS
Insurance and Reinsurance weekly legal update: AI fraud, marine modern slavery risks, case law (BI, ATE security, PPI, NHBC), and Solvency II/SM&CR consultations — 28 August 2025

In this issue: Insurance types Insurance Claims Intermediaries and market practice—Brokers Cases tracker Dates for your diary New and updated content Daily and weekly news alerts LexTalk®Insurance: a Lexis®Nexis community Insurance types Marine underwriters could face legal exposure and reputational harm if they insure shipping businesses whose models rely on modern slavery, the International Union of Marine Insurance (IUMI) cautioned. See: Marine insurers warned of legal risks from modern slavery. Insurance Claims Insurers are encountering a swell of AI-fuelled fraud. Lawyers warn that UK carriers may suffer markedly higher losses as criminals deploy artificial intelligence tools to fabricate or exaggerate claims. See: Insurers face rising tide of claims from AI-driven fraud. Intermediaries and market practice—Brokers Aviva backs an AI broker aiming to reduce underinsurance. The company, which says it is Britain’s first AI-based insurance broker, reports raising almost £1m from investors including Aviva and a venture capital firm in a...

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NEWS
Construction law 2025: England, Wales and Scotland—building safety, standard forms (JCT/FIDIC/NEC), procurement, product regulation, and key cases, plus dispute resolution trends; what to expect in 2026

News Analysis: Construction law—a look at 2025 so far and ahead to the end of the year In June 2025, we released News Analysis: Construction law—a look at 2025 so far and ahead to the end of the year, where we examined the principal construction law trends that had arisen since January. In this subsequent piece, we reflect on the headlines, milestones and shifts from the closing months of 2025, and flag what we anticipate for 2026. The latter part of 2025 remained energetic. Planning and regulatory reform stayed centre stage as the government pressed on with the Planning and Infrastructure Bill, together with broader plans to cut delays and accelerate delivery of housing and infrastructure schemes. Concurrent developments in building safety, product oversight and standard form contracts contributed to a period of swift change. The courts likewise issued a sequence of judgments addressing fundamental contractual doctrines, spanning contract formation and variation, conditions precedent, collateral warranties, and the assessment of damages both in contract and under the Defective Premises...

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View the related Practice Notes about NHBC

PRACTICE NOTES
Limitation in construction: contract and tort claims, latent defects, contractual backstops and standstills, s 32 concealment, adjudication, contribution, DPA 1972 and Building Safety Act 2022 (England and Wales)

Limitation Act 1980 and Latent Damage Act 1986 The Limitation Act 1980 (LA 1980), as amended by the Latent Damage Act 1986 (LDA 1986), sets the time limits for starting different categories of legal action. If proceedings are issued after the relevant period has run, a defendant can contend that the claimant’s remedy is time-barred. For the construction sector, the most pertinent deadlines concern contractual and tortious (negligence) claims, though the LA 1980 also fixes periods for personal injury, defective products and defamation. There are, moreover, particular limitation rules for claims under specific statutes, including the Defective Premises Act 1972, the Building Act 1984 and the Building Safety Act 2022. Limitation is often critical for disputes about defective work, as the cause of action may arise long before any issue is visible. For example, faulty foundations installed by a contractor might later cause wall cracking and subsidence, yet the problem may not manifest for years. In such circumstances, the limitation period may have lapsed before the defect becomes apparent...

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PRACTICE NOTES
UK construction and procurement law glossary: 'N' terms (NEC3/4, negotiated procedure, named/nominated sub-contractors, net contribution clause, NHBC, net internal area, novation)

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Named sub-contractor A sub-contractor designated by the employer within the specification or the employer’s requirements. The contractor assumes responsibility for the named sub-contractor’s procurement and design risks (as opposed to the position regarding nominated sub-contractors). See Practice Note: Sub-contracting in construction projects (Types of sub-contractors). NEC3/NEC4 The NEC contracts foster a collaborative ethos and are apt for procuring a broad range of works. The NEC3 suite was first released in 2005, and a later edition followed in 2013...

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PRACTICE NOTES
New-build home warranties: NHBC, Premier and LABC schemes; coverage, exclusions, 2025 updates, consumer and shared ownership codes, lender requirements, case law and comparison with collateral warranties

This Practice Note examines the main forms of policies or guarantees (excluding standalone latent defects insurance products) currently available to shield homeowners and developers from faults in newly built and newly converted properties. It reviews several of the most common warranties: those offered by the National House Building Council (NHBC Buildmark or Buildmark Choice), Premier Guarantee and Local Authority Building Control (LABC). These providers jointly launched the Consumer Code for Home Builders (the Code) in April 2010. The Code sets out standards of good practice, processes and information that registered homebuilders must follow... What are new home warranties? A new home warranty is an insurance contract that provides purchasers of a new-build or newly converted dwelling with cover for certain categories of building defects. Such warranties have been in place for many years. Cover applies up to defined limits and for a defined term—commonly ten years—and is designed to reassure the purchaser that defects emerging within the warranty period will be put right...

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Q&As
NHBC warranty: who covers communal parts defects after year 2?

We have taken it that, because communal areas are mentioned, the property in question is a block of flats. For the first two years after completion of the initial sale of a new-build property, defects cover is supplied, under National House Building Council (NHBC) Buildmark, by the builder, who is responsible for putting right any faults that arise in the property and that then fall within the scope of the policy...

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