Texas builders typically offer: 1-year workmanship warranty (cosmetic defects, paint, trim), 2-year systems warranty (plumbing, electrical, HVAC), and 10-year structural warranty (foundation, load-bearing walls). The structural warranty is often through a third-party company. Understand what's covered, how to file claims, and the timeline for reporting issues.
1-Year Workmanship Warranty
The one-year warranty covers cosmetic and workmanship issues that become apparent during the first year of occupancy. This includes paint touch-ups, trim issues, door adjustments, window seals, cabinet alignment, countertop seams, and other finish details. You should walk through your home at the 11-month mark and submit a comprehensive list of items that need attention.
2-Year Systems Warranty
The two-year warranty covers the major systems of your home: plumbing, electrical wiring and panels, HVAC equipment, and water heater. If your air conditioner stops working or you discover a plumbing leak during year two, this warranty covers the cost of repairs. Coverage after the one-year mark focuses on functionality rather than cosmetics.
10-Year Structural Warranty
The structural warranty covers major structural components of the home: foundation, load-bearing walls, roof trusses, and structural framing. This is typically administered by a third-party warranty company rather than the builder directly. If you notice foundation cracks, sagging rooflines, or other structural issues during years 3 through 10, this warranty provides coverage.
How to File Claims
Each builder has their own warranty claim process. Generally, you submit a written request to the builder's warranty department with photos and a description of the issue. The builder will schedule an inspection and determine whether the issue is covered under warranty. Keep documentation of every communication and follow up in writing if issues are not addressed promptly.
What's NOT Covered
Warranties have exclusions. Normal wear and tear is not covered. Damage caused by homeowner neglect, improper maintenance, or alterations is excluded. Some builders also exclude landscaping issues, driveways, and sidewalks from structural coverage. Read your warranty carefully so you know what is and is not covered.
Warranty Company vs Builder Direct
The structural warranty is often through a third-party company like 2-10 Home Buyers Warranty or RWC. This is separate from the builder's workmanship warranty. If the builder goes out of business, the structural warranty company is still responsible for structural claims. For workmanship and systems issues, you deal with the builder directly.
Documentation Tips
Keep a running list of every issue from day one. Small things like paint touch-ups and door adjustments are easy to miss. Document everything with photos and dates. Submit your warranty claim before the 1-year mark. I recommend doing a thorough 11-month walkthrough with your inspector to identify any issues that need attention before the workmanship warranty expires.