Repair contractors who perform building envelope renovations must be licensed by BC Housing and provide mandatory, third-party warranty insurance for applicable building envelope renovations.
Regulation, not warranty providers, sets the minimum coverage for warranty insurance covering applicable building envelope renovations.
The coverage includes:
- 2 years on labour and materials (some limits apply)
- 5 years on the building envelope, including water penetration
You may have some repairs that do not meet the requirements of the Homeowner Protection Act and Regulations. In this case, you don’t need a licensed building envelope renovator to carry out the work or to have warranty insurance on the repairs.
Repair warranty insurance claims
If, as a homeowner, you find a potential construction defect before any applicable repair warranty insurance coverage expires, you should take immediate action. You must give written notice of the defect to the warranty provider and building envelope renovator.
Homeowners have a duty to mitigate damage, while warranty providers are required to handle claims as detailed in the regulations (Schedule 2, section 3).
You can also request a disclosure of the claims history (Schedule 2, section 4) for your home from the warranty provider. To get in touch with your warranty insurance provider, consult our list of those approved in B.C.
Our Residential Construction Performance Guide lays out the minimum required performance of new homes covered by home warranty insurance, according to B.C. law. Residential builders can use the guide to help meet or exceed the standard to which their new homes will be measured in the event of a claim.
As a homeowner, you can compel the warranty provider to take part in a mandatory mediation session. The mediation process is performed independently of BC Housing.
The Act and Regulation allow for mandatory third-party mediation of disputes between owners and warranty providers, if the strata council or owner requests it. Owners do not need to start legal action to initiate mandatory mediation. This process is independent of BC Housing.
- Homeowner Protection Act and Insurance Act - Building Envelope Renovation Regulation
- Section 10 - Circumstances in which materials and labour warranty insurance must be provided
- Section 13 - Warranty conditions
- Section 14 - Optional exclusions
- Section 15 - Warranty conditions respecting the costs included in calculation of renovation cost limits
- Section 16 - Prohibited provisions and copy of amended contract to the registrar
- Section 18 - Schedule of expiry dates to be provided to holder
- Section 19 - Holder to give warranty provider notice of defects
- Section 20 - Mitigation of damage by holder
- Schedule 2 - Mandatory Warranty Conditions
- Schedule 3 - Minimum standards of coverage