Landlord insurance in Portishead

Portishead's marina and modern estates have made it a popular Bristol commuter town, and much of its rental stock is recently built. New property brings its own lesson: buildings insurance is not a warranty against how the place was built.

Where the risks come from for Portishead landlords

In a newer let, some of the most frustrating problems, water ingress through poor detailing, cracking from settlement, defective workmanship, stem from how the property was constructed, and buildings insurance covers sudden insured events, not the cost of putting right a builder's defect. That falls to the developer's warranty instead.

A Portishead example

A modern let suffers repeated water ingress traced to defective external detailing rather than a storm or a burst pipe. The buildings policy does not respond, because the cause is a construction defect, and the claim belongs against the new-build warranty. Knowing which cover answers, and keeping the warranty live, saves the owner from funding it alone.

What landlord insurance covers

Buildings insurance covers defined perils, fire, storm, flood, escape of water, impact, not defective design or workmanship, which is the province of a new-build structural warranty. A Portishead landlord needs both, and needs to know where one ends and the other begins.

Placing it in Portishead with Apex

We help newer-property landlords understand the split between their insurance and their warranty, so a defect claim goes to the right place. Apex arranges Portishead lets through one broker and a choice of insurers. Regulated by the FCA; established 2009.

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