What are you covered for?
The Halo 10-Year Residential Guarantee protects you if something goes wrong with your build – and your builder can’t or won’t fix it. Here’s what’s included:
Workmanship & Materials
(Years 1-2)
If something isn’t built right or doesn’t meet the New Zealand Building Code or relevant standards, you’re covered.
This includes:
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Poor workmanship that falls outside accepted tolerances
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Materials that aren’t fit for purpose
Before Halo steps in, your builder must be given the opportunity to fix the issue. If they refuse or fail to resolve it within a reasonable time, Halo may organise repairs or compensate you.
Structural Defects
(Years 3-10)
For the remaining 8 years, Halo covers serious structural issues that breach the NZ Building Code, including:
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Foundations and footings
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Load-bearing walls and framing
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Beams, columns, floor and roof systems
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Decks that are part of the main structure
This also includes weathertightness issues that cause damage to your home (note: conditions apply based on the MBIE weathertightness risk matrix).
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Additional Costs During Repairs
If you have a valid claim and need to leave your home during repair work, Halo can cover:
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Temporary accommodation (up to 26 weeks)
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Moving and storage of furniture
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Engineer, architect, and surveyor fees
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Site protection, demolition, or debris removal
These additional costs are capped at $30,000 per claim.
Cover that moves with you
Selling your home? The Guarantee is fully transferable to the new owner, at no additional cost to them (an admin fee may apply to process the transfer).
This means added confidence and value for future buyers – and continuous cover for up to 10 years from completion.
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This is a summary of what’s covered under the Halo Guarantee. For full terms, limits, conditions and exclusions see the Halo Homeowner Handbook.
What part of the build is covered?
Building a new home or making a significant alteration is probably the biggest investment you’ll ever make, and if anything goes wrong it could be the most costly too.
Here are examples of what parts of the build are covered.
Floors
Examples of structural elements:
- Concrete foundations, foundation walls and floor systems
- Piles and bracing elements, bearers, joists, subfloor framing
- Inter-story flooring
- Structural retaining and block walls
Walls
Examples of structural elements:
- Structural framing e.g. beams, lintels
- Bracing elements and fixings e.g. Ridged air barriers which provide bracing
- Structural steel portals, beams and columns
Roof
Examples of structural elements:
- Trusses, rafters, purlins, tile battens and bracing members
- Ceiling diaphragms
- Sheathing material such as ply
Decks and Decking
- Piles and bracing elements, bearers, joists, stringers, subfloor framing
- Decking material
- Balusters, handrails, posts
- Pergola or other structure over, if carrying a roof