What is not covered?

Landscaping, fencing, driveways, paths, patios, swimming/spa pools, saunas

Retaining walls not part of the primary structure

External drainage, sewage systems, water tanks, septic systems

Solar or wind power systems

Owner delay – damage made worse by delaying notification to your builder or Halo

Defects at Practical Completion – issues that were, or should have been, identified when the build was signed off

Errors or omissions in design or engineering work by third parties

Force majeure events outside the builder’s control (e.g. subsidence, landslip, extreme weather)

Severe weathertightness risk (risk matrix score of 13 or more – see coverage details)

Any defect within the Guide to Acceptable Tolerances

Materials or workmanship that meet accepted building tolerances but are not a “perfect” match in appearance

Indirect or consequential losses – e.g. inconvenience, loss of enjoyment, loss of income, legal costs

Neglect or wear and tear – including lack of maintenance, normal aging, condensation, cosmetic blemishes

Non-agreed remedial work – repairs done without Halo’s consent (unless to prevent further damage)

Non-approved builders – work done by builders not approved by Halo (unless agreed in writing)

Non-defect disputes – e.g. delays, pricing disagreements

Work not the builder’s responsibility under your contract

Personal injury – death, injury, illness, or mental health impacts

Relocated buildings – homes previously permanently located elsewhere

Significant variations – contract changes totalling more than 10% without Halo’s written approval

Toxic mould – unless covered under weathertightness provisions

Non-compliant materials – including second-hand/recycled or unsuitable materials knowingly used

Wilful acts – damage caused deliberately by you or someone acting on your behalf