Home warranty insurance

What is covered and how do I make a claim?

Building work hasn’t started

If work hasn’t started, we may reimburse the deposit paid under the contract. If work has started, we may cover additional completion costs including the repair of any defective work.

Building work is in progress (under contract)

If you've terminated the contract because your contractor has defaulted before all work is completed, you may be able to get help to complete your project under the Queensland Home Warranty Scheme.

Common grounds for contract termination due to the contractor’s default include:

  • a contractor working under his own name as a sole trader, going bankrupt
  • a contractor operating as a company being placed into administration or liquidation
  • suspension or cancellation of the contractor’s licence.

You should seek legal advice to confirm whether you can and should terminate your contract.

Time limits for non-completion of work claims

The contract must end within two years of the day work starts and you must make your claim with the QBCC within three months after the date the contract ends.

Building work has finished and there are defects

Once building work is finished, the Queensland Home Warranty Scheme may help if:

  • the contractor becomes bankrupt or goes into liquidation
  • the contractor is in another country or deceased
  • the building suffers from subsidence or settlement
  • the contractor fails to rectify defects. You will need to follow the QBCC’s dispute resolution process first. 

Should your complaint involve residential construction work and is not able to be satisfactorily resolved through QBCC’s dispute resolution process, your application will be assessed as to whether you may be eligible for assistance under the Queensland Home Warranty Scheme. You are not required to lodge a separate form for this to occur. 

Time limits for defective work claims

Structural defects are covered for six years six months from the date (whichever is the earlier) of payment of the premium, a contract is entered or work is commenced and you must lodge the claim within three months of noticing the defect.

Non-structural defects are covered if you become aware of the defect within six months after the day the work is completed and you must lodge the claim within seven months of the completion date.

Duplexes

A duplex is a single building which contains two separate living units. Where the work involves the construction of a duplex, the maximum compensation for standard cover is:

  • Pre-completion: each unit has $100,000 to complete the work and fix defects and $100,000 for damage to the incomplete standing works by fire or storm.
  • Post-completion: each unit has $200,000 available to fix defects.

Where the work involves the construction of a duplex, and optional additional cover is taken out, the maximum compensation is:

  • Pre-completion: each unit has $150,000 to complete the work and fix defects and $150,000 for damage to the incomplete standing works by fire or storm.
  • Post-completion: each unit has $300,000 available to fix defects.

One or two contracts for two single detached dwellings

Where the work involves the construction of 2 single detached dwellings, the maximum compensation for standard cover is:

  • Pre-completion: each dwelling has $200,000 to complete the work and fix defects and $200,000 for damage to the incomplete standing works by fire or storm.
  • Post-completion: each dwelling has $200,000 available to fix defects

Additional cover

If your claim is approved, the policy may also cover:

  • reimbursement of reasonable cost of alternative accommodation
  • reimbursement of removal and storage costs.

The terms of cover in the Queensland Building and Construction Commission Regulation 2018 outline the terms and conditions of the Queensland Home Warranty Scheme and the monetary limits.

How do I make a claim?

Complete a Non-completion of Construction Work Complaint Form (PDF)  (for non-completion claims) or a Residential and Commercial Construction Work Complaint Form (PDF) (for defective work claims) and lodge with all of the required documents.