A Home-Grown Structural
Warranty for Texas Builders
Areas of Texas represent some of the highest risk for structural claims in the entire country based on historic data. That’s why 2-10 Home Buyers Warranty (2-10 HBW) offers a 10 year structural warranty to meet the needs of builders and homeowners in the Lone Star State.
Why should Texas builders choose 2-10 HBW?
In Texas, home foundations fail at a rate 10 times higher than the national average, and our great state is one of the Top 3 highest risk states for structural failures. Foundation movement is the leading cause of structural claims, and soil problems are often to blame. Shifting soils, improperly compacted soils and other factors can all lead to structural failures in a home, especially in a large state with a vast array of soil types. Luckily, there’s a comprehensive solution for Texas builders.
The 2-10 HBW program has paid over $63 million on behalf of Texas builders. We also have a long history of protecting builders’ interests in the state, and with more than 150 years of combined engineering and construction experience, we understand the unique complexities of building homes here.
rate of home foundation failures in Texas than the national average
in Texas structural claims paid out by 2-10 HBW
Benefits of an insurance-backed 10 year structural warranty from 2-10 HBW
Coverage starts on Day 1
Once your application is approved and your homes are enrolled, coverage for those homes starts immediately. In fact, our structural warranty product provides the most comprehensive coverage in the market, including coverage for damage caused by soil movement.
Coverage for soil movement
Eighty percent (80%) of all structural claims in the US are caused by soil movement, and Texas has some of the most active soils in the country. To make things even trickier, there are more than 1,300 different types of soil throughout the state, and each presents unique challenges. The most efficient and effective way to protect the homes you build is to insure them with a comprehensive warranty, and 2-10 HBW’s structural warranties cover home foundations built on any soil type.
Protect homeowners and your business
Despite the best efforts of builders, unforeseen problems do occur that cause structural defects. With a 2-10 HBW warranty, homeowners and builders are both protected from the financial burden of a structural failure.
Stay out of court
At one time, the Texas courts were clogged with residential construction litigation. Structural warranties, like the TAB-approved 2-10 HBW warranty, have helped solve this problem. Our structural warranties include binding dispute resolution and arbitration upheld by the Supreme Court, saving builders time and money on court costs.
Made by Texans, for Texans
This popular warranty was originally developed by the Texas Residential Construction Commission (TRCC), and later adopted by the Texas Association of Builders (TAB). As a strong supporter of TAB, 2-10 HBW has been serving the warranty needs of Texas builders for over 35 years.
Front Line Warranty Service
With 2-10 HBW, builders also have the opportunity to take advantage of our Front Line Warranty Service. With this service, builders no longer have to take warranty calls and answer homeowner questions. We do that for you, so you can focus on building homes and building your business.
2-10 HBW structural warranties in Texas explained
Give your Texas buyers confidence that their biggest investment is protected for years to come with our
structural warranties. Each 10 year structural warranty also offers 1 year of workmanship coverage and 2
years of distribution systems coverage.
1 year workmanship
The 1 year component of a 2-10 HBW structural warranty provides surety coverage against defects in workmanship and materials in the following areas:
Foundation & concrete
Defects in concrete foundation walls, attached-garage floors, slab-on-grade floors with finish flooring, stoops and steps, and interior
Site work (grading & drainage)
Protection against defects in the grading established by the builder or seller around backfilled areas within 10 feet of the foundation so surface water drains away from the home
Workmanship on masonry, brick and stone veneer, and stucco and cement plaster walls
Defects in the plumbing and water-supply fixtures, such as faucets, valves and water pipes, as well as adequacy of the heating and cooling systems
Coverage on receptacles, fixtures, fuses, ground fault interrupters and circuit breakers
Thermal & moisture protection
Defects in waterproofing, moisture control and ventilation in attics and roofs; insulation around living areas; exterior wall caulking; and siding, gutters and downspouts
Doors & windows
Interior, exterior and garage doors; door knobs, deadbolts and locksets; weather-stripping; wood, plastic and metal windows; glass and glazing; and storm doors, windows and screens are covered
Finishes (drywall, paint, carpet, etc.)
Defects in the drywall, lath, and plaster walls and ceilings; hard-surface flooring, bathtubs, showers and countertops; resilient and finished wood flooring; interior and exterior painting; and carpeting
Qualified defects in woodwork including interior and exterior finish carpentry, as well as plywood, joists, wood beams and posts; wood-framed floors, walls and ceilings; and wood sheathing and subflooring
Coverage includes the fireplace or chimney draw, chimney connection to the house and masonry hearth or facing
2 year distribution systems
The 2 year systems surety element covers defects in wiring, piping and ductwork in electrical, plumbing, heating, cooling, ventilating and mechanical systems:
Electrical system (wiring)
Wiring and electrical conductors
Waste, vent and water pipe leaks and bursts; heating and air conditioning refrigerant line leaks; and water supply and septic tank system operation
Repairs to the home’s heating and cooling ductwork if it separates or detaches
Mechanical (waste piping)
Repairs to sanitary sewers, fixtures and waste and drain lines to prevent clogs or poor drainage
10 year structural
Our 10 year warranty provides coverage for structural defects to load-bearing components of the home’s structure.
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.
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
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
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 the strength and compressibility of the site soils, proposed loading conditions and project performance criteria (i.e., total settlement and differential settlement limitations).
Load-Bearing Walls & Partitions
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.
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.
Frequently asked questions about Texas warranties
Further, because Texas is the second largest state in the country, it has very diverse geological and meteorological characteristics. The elevation varies dramatically, ranging from sea level to over 8,000 feet — which means we have lots of different soil types. Rainfall is another consideration when building, as precipitation amounts vary from less than 14″ per year in the arid west to over 54″ in the coastal east. The geologic conditions and hazards for home construction vary considerably, often over short distances, and a quality structural warranty will cover homes in all of these areas.
These requirements may include:
- A geotechnical investigation submitted prior to the start of construction.
- A final grade inspection to confirm grading and gutters, which must be submitted with the Home Enrollment Application.
- A controlled method of water disposal (such as gutters) from roofs that will collect roof drainage to the ground surface, at least 5 feet from the foundation.
Don’t worry, though, with 2-10 HBW you’ve got an experienced team ready to help you navigate the process. To learn more about enrolling homes built in high risk areas, please contact your local Builder Solutions Specialist or call 855-280-1323 for additional information.
A full suite of warranties and services to help you protect your profits, promote your quality and plan for the future.
More builders choose 2-10 HBW for warranty services
As the largest and most experienced structural warranty provider, we've seen more and covered more than anyone else. Our size and expertise means more resources to better serve you and your homeowners.VIEW PRODUCTS & SERVICES
Protect your business and the homes you build now!
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 your application is approved, 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. Don’t worry. We will work with you to make enrolling as easy as possible.Complete Application Online