An insurance-backed damp proofing guarantee provides additional insurance protection alongside the guarantee issued by the damp proofing contractor. It is designed to cover qualifying claims if the original company ceases trading and can no longer honour its obligations, subject to the insurance policy's terms and conditions
Why Our 20-Year Guarantee Offers More Than Just a Promise
A damp proof course is an important investment in protecting your property against rising damp and the damage it can cause to walls, plaster and internal decorations. Choosing an experienced damp proofing company is essential, but understanding the guarantee provided with the work is equally important.
At North West Damp Proofing, we don't simply issue a 20-year company guarantee and leave it at that. Every damp proof course installation also benefits from 20 years of insurance-backed protection, giving our customers additional security throughout the full guarantee period. This means qualifying claims may still be covered under the insurance policy if our company is no longer able to honour its guarantee because it has ceased trading.
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Standard vs Insurance-Backed Damp Proofing Guarantees
A standard damp proofing guarantee is issued directly by the contractor responsible for installing the damp proof course.
If a problem develops with the guaranteed work, the homeowner can contact the company to request an inspection and any necessary remedial work covered by the guarantee. However, the guarantee relies on that company remaining in business and being able to fulfil its obligations.
An insurance-backed damp proofing guarantee provides an additional layer of protection through a separate insurance arrangement.
If the original contractor ceases trading, the homeowner may still be able to make a claim for qualifying defects under the insurance policy. This is an important distinction when comparing damp proofing guarantees, particularly those advertised as lasting 20, 25 or 30 years. A longer company guarantee does not automatically provide greater financial protection.
What Happens if Your Damp Proofing Company Closes?
A 25 or 30-year damp proofing guarantee might sound impressive, but what happens if the company that issued it closes after just a few years? With a standard company guarantee, there may be nobody available to honour the original promise, potentially leaving the homeowner responsible for the cost of further remedial work.
This is one of the main reasons we provide insurance-backed guarantees through Peacock Insurance Services.
Should North West Damp Proofing cease trading during the 20-year guarantee period, the insurance-backed policy is designed to provide continued protection for eligible claims, subject to its terms and conditions. It offers an additional safeguard that a standard company guarantee alone may not provide.
Full 20-Year Insurance Protection at No Extra Cost
Some insurance-backed guarantees are offered as optional extras or provide insurance protection for a shorter period than the contractor's original guarantee. At North West Damp Proofing, we believe long-term reassurance should be included as part of the service, rather than something homeowners have to purchase separately.
That's why every damp proof course installation comes with a full 20-year insurance-backed guarantee at no additional cost. The insurance protection runs for the same 20-year period as our company guarantee, meaning customers don't have to worry about a shorter insurance term leaving the later years without insurance backing. All cover remains subject to the terms, conditions and exclusions of the policy.
Our Insurance-Backed Guarantee Through Peacock Insurance Services
North West Damp Proofing arranges its insurance-backed damp proofing guarantees through Peacock Insurance Services, a UK insurance intermediary providing specialist insurance solutions, including insurance-backed guarantees for qualifying building and property improvement work.
By using an established specialist provider, we can offer our customers additional reassurance beyond our own workmanship guarantee.
Combined with our professional damp surveys, experienced installation teams and commitment to correctly diagnosing damp problems before recommending treatment, our 20-year insurance-backed guarantee forms an important part of the service we provide to homeowners, landlords and property owners throughout Greater Manchester and the wider North West.
