22) Deficiencies & Warranty
10 Year Alberta New Home Warranty Program (ANHWP)
Warranty coverage is mandatory in Alberta for the purchase of every new home and offers progressive coverage for 10 years.
1 YEAR - Materials and Labour
2 YEARS - Delivery & Distribution Systems
5 YEARS - Building Envelope
10 YEARS - Structure Defects
In Alberta, Travelers Canada underwrites new home warranty policies for homes built by their approved builders and is covered under their warranty program (similar to Tarion in Ontario).
Every pre-construction property will have some “deficiencies” that the builder will fix, and there may be seasonal items and exterior work that may not be able to be completed until later. Defects noted during the possession walkthrough are typically fixed by the developer within 1-2 months. Any new issues need to be raised with the developer or Alberta New Home Warranty Program, depending on the timing.
► View the Alberta New Home Warranty Program website
What Happens When You Sell Your Property?
Home warranty insurance coverage stays with the home, not the homeowner and no transfer process is required. A home warranty certificate is provided upon registering the property and should be kept in the property.
How to Register A Claim?
The Owner of the property must file claims if they become aware of any defects, as per Traveller’s Home Warranty coverage:
The Owner shall promptly provide Travelers Canada and the Builder with WRITTEN NOTICE outlining the full details of the defect(s) using the Notice of Claim form, providing an itemized list of each defect that includes the description of the defect and specific location of the defect.
This notice must be provided on or BEFORE the Expiry Date of the applicable coverage for the New Home.
This notice must be submitted to warrantyclaimcanada@travelers.com.
Any questions regarding submitting a claim, refer to the Travelers’s website or contact 1-800-661-5522
How Does the Claim Process Work?
As per Traveler’s Canada:
Upon receipt of the Owner's notice of a claim, Travelers Canada will contact the Owner to confirm receipt of the claim. A Claims Professional will be assigned to the claim and a written response assessing coverage will be delivered within 10 business days.
All defects listed on the notice of claim will be itemized on a Record of Claim form. This document will be the guide for Travelers Canada and the Owner to ensure that all items are addressed.
Travelers Canada will forward a copy of the claim submitted to the Builder. It is the responsibility of Travelers Canada to ensure that all valid defects that are covered under the Home Warranty policy be rectified within industry standards and as defined by the Residential Performance Guide published by the New Home Buyer Protection office. We would hope that these repairs are done to the Owner's satisfaction and we look to the Builder to assist us in the claims process.
The Record of Claim will define the Travelers Canada's position on each item and will identify if they are warrantable, investigation required, not warrantable or further information required. We will continue to request confirmation from the Owner that each item that required repair is progressing to completion. The Owner can use this form to confirm that the item is completed, in progress, no further action required or request an inspection. The Owner can also request further investigation or undertake the dispute resolution process if they disagree with Travelers Canada position.
If Travelers Canada is asked to inspect any claim item, all decisions will be done in writing.
Repairs will be undertaken in a timely manner, with reasonable consideration given to weather conditions and the availability of materials and labour.
Upon completion of the repairs, Travelers Canada will request confirmation from the Owner confirming the repairs were completed and referencing the remaining warranty coverage.
If the Owner is not satisfied with their claim resolution, there is a resolution process available.
Confirmation of Warranty Registration For Truman Homes
Mortgage brokers often require confirmation that the unit is registered with the Alberta New Home Warranty program which can be viewed here:
