A Home-Grown Structural
Warranty for Texas Builders

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.

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.

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

Masonry

Workmanship on masonry, brick and stone veneer, and stucco and cement plaster walls

Mechanical

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

Electrical

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

Carpentry

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

Specialties (fireplace)

Coverage includes the fireplace or chimney draw, chimney connection to the house and masonry hearth or facing

Electrical system (wiring)

Wiring and electrical conductors

Mechanical (plumbing)

Waste, vent and water pipe leaks and bursts; heating and air conditioning refrigerant line leaks; and water supply and septic tank system operation

Mechanical (ductwork)

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