FREQUENTLY ASKED QUESTIONS
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FREQUENTLY ASKED QUESTIONS
Home warranty protects new homes against construction defects such as materials and labour, building envelope and structural defects. Note that different limits and coverage apply to each province.
Formerly known as the Homeowner Protection Office, Licensing & Consumer Services is a branch of BC Housing. They work to strengthen consumer protection for buyers of new homes in BC. They are responsible for:
Please refer to their website for more information – https://www.bchousing.org/licensing-consumer-services
As of February 1, 2014, every new home built in Alberta must have home warranty coverage. In addition, all new construction must be entered into the New Home Buyer Protection Public Registry. The New Home Buyer Protection Office is responsible for monitoring the provision of third-party home warranty insurance under the New Home Buyer Protection Act.
Please refer to their website for more information – http://homewarranty.alberta.ca/ and http://municipalaffairs.alberta.ca/alberta_home_warranties
Under the 2/5/10 home warranty coverage in BC. it covers:
Under the 1/2/5/10 home warranty coverage in AB, it covers:
Under the 1/5 home warranty coverage in AB, MB & SK, it covers:
*Note that different limits & exclusions apply in each province.
Yes, home warranty is mandatory in BC & AB unless the project qualifies under the applicable exemptions.
The warranty remains in effect. There is no need to transfer the warranty into the new homeowners name.
To become a member, you must submit a completed application based upon the insurers requirements to us for review. There is a non-refundable application fee of $750 plus GST. Contact our office and speak to an Account Manager.
WBI as the agent for the insurer (RSA) will consider providing the new home warranty for single family homes and multifamily projects. We do not accept unconventional builds such as log homes, timber homes, straw-bale homes, container homes, etc. If you are unsure, please contact our office.
We could consider a home that is currently under construction depending on the situation. Please contact our office and speak to an Account Manager.
Multifamily projects and complex single family homes are subject to a satisfactory technical review. This review requires the builder to complete an application and submit it along with construction drawings, geotechnical report and building envelope details.
Upon enrollment, the project is added to the inspection list. The project will be reviewed by a Technical Advisor on a rotational schedule.
Key areas of interest and concern are envelope details at every phase of detailing, including the damp-proofing/waterproofing of the foundation. Drainage, geotechnical concerns, interfaces between envelope details and projections such as decks, windows, hose bibs, etc. Surface applied membranes of ALL types are of particular interest, be it peel and stick, deck membranes, or foundation mats. Additionally, the Technical Advisor will look for framing quality that will not adversely affect the fit and finish, sound HVAC design and compliance, potential conflicts between design elements of the home and good construction practices.
Final inspection is the one mandatory inspection that must be requested by the builder once the building has received an occupancy permit and it is cleaned and ready for occupancy. To book your final inspection, please call 604-639-2924 or email [email protected]
A final inspection must be arranged by the builder once the project has been received final occupancy from the municipality and the unit has been cleaned. To book your final inspection, please call 604-639- 2924 or email [email protected].
It is the builder/developer’s responsibility to complete the COP form with the homeowner prior to possession of the home. The purpose of the form is to confirm the homeowner’s information, occupancy dates and walk through details. The builder/developer has 30 days of occupancy to complete the form and send it back to our office for processing. Failure to do so can affect your builder terms including fees and security.
For BC – register the home online via the Builder Portal (BC Housing – Licensing & Consumer Services).
For AB – register the home online via the Builder Portal (MA Connect).
For MB, SK – please contact your Account Manager.
We will require additional details on your home; therefore please contact our office upon completion of the form. We will confirm the enrollment fee at that time.
Multi-family projects are subject to different requirements. Please contact our office to discuss it with an Account Manager.
In order to amend the property address after enrollment, our office will require written confirmation. Usually documentation from your municipality or your lawyer’s office will suffice. Please contact our office and speak to a Warranty Administrator.
We can definitely provide you with confirmation of warranty if the project is registered with WBI. Please contact our office and speak to a Warranty Administrator.
Yes, we do. Please contact our office and speak to an Account Manager and we will put you in touch with an Insurance Professional.
If you are a licensed residential builder in BC and building under part 9 of the BC Building Code, you will require the CPD credits to renew with BC Housing. If you require more information on this matter, please contact BC Housing – Licensing and Consumer Services at 604-646-7050.
The B.C. Government has announced important changes to the Homeowner Protection Act regulations that will come into effect on July 1, 2019. For more information on the enhanced CPD program visit BC Housing website.
You can obtain credits through us! See our Seminars page for details.
Congratulations on your recent purchase! Prior to possession of your new home, we require your builder / developer to complete the Certificate of Possession Form with you. The builder / developer is expected to provide us with a copy within 30 days of completion. Upon receipt, we will process the form and issue a home warranty policy and mail it to you. If you have been living in your home for more than 1 month and have not received your home warranty policy, please contact your builder / developer first.
If you have lost or misplaced your home warranty policy, you can order another copy from our office at a cost of $25 plus GST or an electronic copy of your policy can be emailed to you. Please contact our office and speak to a Warranty Administrator.
If there is a discrepancy in the warranty commencement date, we will require legal documentation to make the change. Please contact our office and speak to a Warranty Administrator.
Within a reasonable time after the discovery of a defect and before the expiry of the applicable home warranty insurance coverage under this Policy, the Owner must give written notice to:
i) the Builder; and
ii) The Warranty Provider.
Please include the following information with your claim submission:
Note that incomplete submissions may cause delays in processing your claim.
There is currently no deductible for filing a warranty claim in British Columbia; however, there is a deductible for filing a claim in Alberta, Saskatchewan and Manitoba.
|Province||Policy||Single Family Claim||Common Property Claim||Multi-Family Unit Claim|
|AB||1/2/5/10||50.00 + GST*||$100+GST (1 Year claims)|
$500.00+GST (2,5,10 year claims)
|$50.00 + GST*|
|AB||1/5||$250.00 + GST||$500.00 + GST||$250.00 + GST|
|SK||1/5||$250.00 + GST||$500.00 + GST||$250.00 + GST|
|MB||1/5||$250.00 + GST||$500.00 + GST||$250.00 + GST|
*$50 deductible (plus GST) per claim submission for all Single Family and Multi-family unit claims to a maximum of $300 (plus GST) per year.
No, it is the homeowner’s responsibility to identify what the defects are and to submit an claim to the warranty provider prior to the applicable expiry dates.
No, it’s not necessary. However, if you do hire an inspector or engineering firm, it’s important to remember to request that their report also include an itemized, numbered summary indicating where the actual defect is located and what the actual defect is. Each item will have its own number to identify each defect.
As per your warranty, the first opportunity to complete the repairs will be given to your builder.
As per your warranty policy, the warranty provider must be informed in writing prior to the expiry of the applicable home warranty coverage in order for your claim to be considered.
All warranty repairs have to meet acceptable industry standards as outlined in the Homeowner Protection Residential Construction Performance Guide.
Warranty repairs are to be completed in a timely manner as determined by the warranty provider, with consideration given to the weather and the availability of materials and labour. If after a reasonable period of time your builder has not responded to your claim, please contact the warranty provider and they will schedule a technical assessment.
If you have already discussed your concerns with your builder / developer, please proceed to fill out the form below.
Working with reputable multi family and single family builders, WBI Home Warranty offers New Home Warranty, Construction Insurance, Deposit Insurance and Continuing Professional Development solutions in British Columbia, Alberta, Saskatchewan and Manitoba.