Florida home builder & structural warranty

To protect their business and their buyers, Florida builders become Builder Members.

When reducing your risk is important, think 2-10 Home Buyers Warranty (2-10 HBW). Learn why 1 in 5 homes sold in the US is covered by a 2-10 HBW 10 year insurance-backed structural warranty.

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Top 5 benefits of becoming a 2-10 HBW Builder Member in Florida


Protect homeowners and your business by transferring your risk to an insurance-backed structural warranty effective from day of closing


Cover qualified structural-defect repair costs for 10 years through the 2-10 HBW insurance-backed structural warranty


Offer fully transferable 10 year structural warranties that add value to the home should the homeowner sell within the next 10 years


Save time and money, and minimize frivolous lawsuits through 2-10 HBW-administered dispute resolution and arbitration, upheld by the Supreme Court


Three local 2-10 HBW Risk Management Specialists and our Vice President of Strategic Partnerships are located in Florida, with nearly 70 years of combined experience

A full suite of warranties and services to help Florida home builders

What is a 2-10 HBW Structural Warranty?

2-10 HBW is the leading provider of structural home warranties in the US. Our structural warranty covers workmanship defects for 1 year, distribution systems defects for 2 years and structural defects for 10 years.

3D House Model


Clearly defined construction standards for defects in materials and workmanship.


Distribution systems

Clearly defined construction standards for defects in the distribution of electrical, plumbing and mechanical systems.



Insurance-backed coverage
Load-bearing elements
Soil movement, including settlement and heave.

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Benefits of a Florida builders warranty

Protect your profit on every home you build

Each warranty call you receive erodes your bottom line. Whether it’s a major structural defect or simply a meticulous homeowner, every call costs you money.

Promote your quality and create homeowner confidence

Warranties administered by 2-10 HBW provide third-party validation of the quality of your work, strengthen your legal position, bolster your reputation, and set expectations for your buyers.

Plan for your future by controlling what’s behind you

With every home you build, your exposure to risk increases. By law, you are responsible for the financial impact of any structural defect that occurs in the homes you build for the entire Statute of Repose for your state.

State Shape

2-10 HBW Structural Warranties in Florida explained

Gain the confidence of your buyers with our structural warranties, which protect homes right from the day of closing. A 2-10 HBW structural warranty is the most common new-home warranty product provided by quality home builders, with 1 in 5 new homes sold in America covered by a 2-10 HBW Structural Warranty.

What load-bearing components are covered in Florida with a 2-10 HBW Structural Warranty?

Floor Framing

Floor Framing Icon

Coverage is provided for structural supports for load-bearing elements in floor systems, including joists and bridging. Damage to non-load-bearing elements, such as flooring and underlayment material, is not covered.


Columns Icon

A structural element that transmits, through compression, the weight of the structure above to other structural elements. However, damage caused by additions or alterations to the home is not covered.

Beams / Girders / Lintels

Beam Icon

Horizontal structural members of wood, steel, reinforced concrete or stone that support and transfer loads to vertical members such as columns and foundations. Decorative elements without a load-bearing function are not covered.

Footings & Foundation Systems

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Often classified as shallow or deep foundations, based on the depth of the load-transfer member below the super-structure and the type of transfer load mechanism. Foundation system requirements depend on strength and compressibility of the site soils, proposed loading conditions and project performance criteria.

Load-Bearing Walls & Partitions

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All exterior walls are load-bearing walls and are covered. Interior load-bearing walls that support the floors above and the attic’s weight are also covered. Note that improper loading over the design criteria for which that portion of the house was intended will not be covered.

Roof Framing Systems

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A group of studs fitted or joined together to provide support for the roof covering. Non-load-bearing elements, such as shingles, roof tiles, sheathing and underlayment are not eligible for coverage.


Become a 2-10 HBW Florida Builder Member

Before purchasing structural coverage for each home you build, you’ll have to become a 2-10 HBW Builder Member.

To complete an application, you’ll need a few pieces of information, including but not limited to:

  • Number of homes built the past 3 years
  • Average sales price
  • Estimated number of homes you plan to sell/close on and enroll in the 2-10 HBW program

Once 2-10 HBW approves your application, you’ll receive your online login credentials to easily manage your warranty coverage and enroll your homes.

Engineering, soil, and state inspections may be required prior to enrolling a home. But don’t worry! We’ll work with you to make enrolling as easy as possible.

Or call New Home Sales at 877.777.1344.

1 in 5 new homes has a structural warranty administered by 2-10 HBW

More Florida builders choose 2-10 HBW for warranty services

As the largest and most experienced structural warranty administrator, we’ve seen more and covered more than anyone else. Our size and expertise means more resources to better serve you and your homeowners.

40+ years in the industry icon
$300+ in claims icon
6+ million homes covered icon

Protect your profits, promote your quality, and plan for the future.

Focus on what you do best: building great homes and growing your business.

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2-10 Home Buyers Warranty is a member of the Florida Home Builders Association