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The cost of our Guarantee will reflect the cost of your build.

The Master Build 10-Year Labour Only Guarantee is designed specifically for Labour Only contracts. Therefore, it is important to read and understand what you are covered for.

The maximum cover for all claims throughout the life of a Guarantee is the value of your Building Contract (up to a limit of $250,000 or the contract price, whichever is less).

Our Workmanship cover protects you if there is a problem with the expected standard of the work carried out by your builder.

It is important to read the Guarantee Terms and Conditions and understand what you are covered for.

However, for a labour-only contract, the materials used in the building work are not covered.

Please be aware that each Master Build Guarantee can be tailored to your needs. Please make sure you read and understand what you are – and what you are not - covered for.

• Any items on a Multi-Unit Development
• Anything that is not your builder’s responsibility (including work, services, materials or chattels that are not part of the Building Contract OR that you have arranged or paid for directly).
• You, if you are both the owner and the builder or if you are an associate of the builder
• Issues or claims that are covered by insurance (for example contract works insurance, home and contents insurance and/or professional indemnity insurance).
• Consequential damage to your home, including damage that has happened as a result of a Defect that is part of any claim under your Guarantee.
• Consequential losses, including losses that happen because of a Defect that is part of any claim under your Guarantee. This includes travel expenses and legal costs.
• Unavoidable aesthetic variance.
• Items that are not a part of or directly connected to your home (such as swimming pools, driveways, paths, lawns, gardens or fences, external drainage and retaining walls that are not part of the building’s foundation).
• Buildings that have been moved from their original, permanent Property.
• Managed labour-only contracts (where your builder is managing the building site but does not provide the materials or labour, or where the people carrying out the work are not your builder’s sub-contractors or employees).
• Agreed deviations (where you and your builder have chosen not the follow the Building Contract, the building consent, or relevant building trade practices and standards during the building work).

• You already knew about or should have known about.
• Is caused by normal wear and tear
• Is beyond the reasonable control of your builder (such as subsidence, erosion or soil movement, condensation, shrinkage, contraction or expansion of any material, and act of God.)
• Is caused by anything related to design or engineering work including the use of non-approved materials.

It is important to read the Guarantee Terms and Conditions and understand what you are covered for.

Cover for structural defects protects you if an issue with the expected standard of the work carried out by your builder results in Structural Defects to your home, including a problem with the weathertightness of your home (Rot and Fungal Decay).

Structural Defects include damage which makes your home unsafe, unsanitary or uninhabitable.

To be covered for Rot and Fungal Decay, the design, materials and construction of your home need to achieve a score of 12 or less in the “Building envelope risk matrix” at the time the building consent was issued. The building envelope risk matrix is in the Ministry of Business, Innovation and Employment’s Acceptable Solution E2/AS1, which can be found on www.building.govt.nz.

• the building work in the claim does not have the required building consents;
• it does not comply with the Building Code or any building consent documents.