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Warranty · Detail

Dormer warranty if the company goes bust

Company failures are a real risk in construction. An insurance-backed warranty is the only way to make sure your cover survives the company that installed it.
5 min leestijd·Onafhankelijke informatie

Short answer

A company-only warranty dies with the company. To protect yourself, choose an insurance-backed guarantee or a trade scheme that outlasts the installer.

The risk

Construction companies fail every year. If your warranty is only a promise from the installer, you have no one to call for defects after the company closes.

Protection

Insurance-backed guarantees and reputable trade schemes are designed exactly for this situation. The insurer or scheme takes on the liability.

  • Insurance-backed — a separate insurer pays valid claims.
  • Trade scheme — the scheme may provide cover or find another member to fix the defect.
  • Escrow or retention — holding back final payment until snags are resolved.

How to claim

If the company goes bust, contact the warranty provider or scheme directly. Have your certificate, contract and photos of the defect ready.

  • Contact the insurer or scheme immediately.
  • Provide the warranty certificate and policy number.
  • Document the defect with photos and a written description.
  • Follow the claim procedure exactly, including time limits.

The full checklist

Checklist

Protecting your warranty

  1. 01The warranty is backed by an insurer or trade scheme.
  2. 02I have the warranty certificate and policy number.
  3. 03I verified the backing provider independently.
  4. 04I know the claim procedure and time limits.
  5. 05I kept the contract, invoice and product data sheets.
  6. 06I understand what is covered and excluded.

FAQ

FAQ

Veelgestelde vragen

01What happens to my warranty if the dormer company goes bust?
If the warranty is only from the company, it disappears with them. If it is insurance-backed or from a trade scheme, you may still be able to claim.
02How do I know if my warranty is insurance-backed?
The warranty certificate should name an insurance provider or trade scheme. If it does not, the warranty is only as strong as the company.
03Can I buy an insurance-backed warranty separately?
Sometimes, yes. Some trade schemes or insurers offer standalone cover for a completed project. It is worth asking before work starts.
04What should I keep if I want to claim later?
Keep the warranty certificate, contract, invoice, and any product data sheets. A claim without paperwork is much harder to process.
Conclusie
The real test of a warranty is what happens when the company is no longer around. Choose backing that outlasts the installer, and keep your paperwork safe.