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Question DetailsAsked on 11/11/2011

Is it possible to buy a home warranty that covers stucco cracking and water damage?

I have a new home with a builder's warranty that covers stucco and construction. I have to hire a contractor to replace windows as part of an insurance settlement (where an alarm company drilled holes in my windows). The problem is how to value my lost home warranty after the repairs are made. The contractor only warrants the work he is doing. The insurance compmany wants me to sign a release form. The builder says their warranty does apply anymore, after another contractor does work on my house. And the work that needs to be done could cause other problems down the line-like stucco cracks... Can anyone offer any advice?

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2 Answers


You really need to talk with a real estate attorney and talk with the insurance company. Every state has it's own laws regarding home warranties. You should have ask the alarm company questions before you had them install their system. Most or allot of alarm systems today are wireless and do not require drilling into anything. But this is after the fact now. However, I am not an attorney, but in many states home builders are on the warranties for up to 10 years. Many home owners do not know this fact. Read your home warranty and see if it says anything about drilling the exterior finish of the home voids the warranty. Hope this helps.

Answered 8 years ago by We Help You Build


Depending on where you are it is common to have the clause that the builder's warranty is void if any other contractor performs work on the house. After all, how can the builder honor the work of someone they don't employ? Texas allowed this when they were regulating it until Aug. 2010. I don't know of any reputable third party warranties that cover foundation and stucco when not given through the builder. They're really taking a shot in the dark since they don't know if proper practices were used during construction. I agree that an attorney may be the best bet to help you sort it out. At the least you'll have to find out if a small repair is later required on your stucco what will that cost? Perhaps an escrow fund holding a certain amount of money in the event of a repair that would have been covered by the warranty is an option. If you have no such repairs they get the money back at the end of the term. If you do you may draw from the account to pay for them.

Answered 8 years ago by Todd's Home Services

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