Latent defects insurance (LDI) gives developers and funders peace of mind that hidden structural or waterproofing issues will be covered for 10 years after completion. However, insurers insist on technical audits during design and construction – if defects are allowed to develop, the policy may be void. A Gallagher review of LDI explains that the policy must be in place before construction begins so that insurers can undertake technical audits throughout construction and ensure compliance with building regulations. An independent technical inspection service like EML’s is therefore critical for obtaining and maintaining LDI cover.
Comprehensive Technical Audits
EML Engineers’ chartered professionals act as Design Certifiers and Assigned Certifiers, providing a single point of accountability for BCAR compliance:
EML Engineers provide a complete technical inspection service on behalf of insurers for latent‑defects insurance. Our chartered geotechnical, structural and facade engineers:
- Design risk assessment
Before a single foundation is laid, we review drawings, specifications and structural calculations to identify design shortcomings. Early feedback allows designers to correct issues and reduces the risk of expensive remedial works. - Regular site inspections
Throughout construction we carry out inspections at critical stages – foundations, frame, envelope, roofing, waterproofing and fit‑out. These visits check that the works follow the approved design, building regulations and warranty provider’s technical manual. - Transparent reporting
After each inspection we issue a detailed quality assurance report highlighting non‑conformities and recommending corrective action. Digital reporting means insurers and project stakeholders have real‑time visibility of progress and issues. - Final completion review
When construction is substantially complete, we carry out a final audit to verify that outstanding issues have been addressed and the project meets the warranty requirements. Once satisfied, we issue an approval certificate enabling the latent‑defects policy to go live
Benefits for clients
Appointing EML Engineers as your Assigned Certifier ensures:
- Regulatory compliance and risk reduction
Independent experts ensure the building meets Irish building regulations and insurer standards. This proactive oversight reduces defects and avoids costly post‑completion claims. - Faster sign‑off and premium certainty
Early issue identification means fewer surprises at completion. Our rigorous approach helps insurers maintain competitive premiums. - Long‑term asset protection
A well‑managed technical audit programme can deliver a decade of latent‑defects cover and safeguard the value of the asset