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A structural
home warranty
could save you

thousands of dollars.

FLORIDA CASE STUDY

By 2-10 Home Buyers Warranty®
In Gainesville, FL ...
a builder enrolled a home
in the 2-10 Home Buyers
Warranty® (2-10 HBW)
Structural Warranty program
...
Signs of structural defects were first
observed just three months later in
January of 2001.

A claim was made in March
of ...
The cracking pattern observed at
this home was caused by

differential, or uneven,
settlement of the soil.
In this case th...
The primary cause for the cracking
that was occurring at the site was
the presence

of loose and
variable subsoil (sand an...
Shrink-swell
clay was also
encountered
during the
investigation.

It was determined that the
cracking observed at this hom...
What is shrink-swell?

RAINY MONTHS

DRIER MONTHS

A water table naturally moves up and down
(fluctuates) in response to t...
How was this claim resolved
for the homeowner of this
Gainesville builder?

The warranty
insurer paid
approximately
$74,00...
25 ft

To remediate the problem
it was recommended by the
geoengineering inspector to
support the load-bearing wall
with a...
2-10 HBW was able to protect this
builder from an expensive claim
because structural warranty coverage
was in place.
Struc...
Can your business survive a $74,000 structural defect?
Call today to find out how you can include a
2-10 HBW Structural Wa...
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Florida Structural Claim Case Study

Read about a builder in Gainesville, FL that had a structural claim caused by soil movement - costing them $74,000.

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Florida Structural Claim Case Study

  1. 1. A structural home warranty could save you thousands of dollars. FLORIDA CASE STUDY By 2-10 Home Buyers Warranty®
  2. 2. In Gainesville, FL ... a builder enrolled a home in the 2-10 Home Buyers Warranty® (2-10 HBW) Structural Warranty program in November of 2000.
  3. 3. Signs of structural defects were first observed just three months later in January of 2001. A claim was made in March of 2004.The house had cracking throughout the walls and uneven flooring in the kitchen and living room.
  4. 4. The cracking pattern observed at this home was caused by differential, or uneven, settlement of the soil. In this case the differential settlement was caused by the following conditions: • Loose sand or muck (naturally occurring or due to improper site preparation procedures during construction) • Shrink-swell clay
  5. 5. The primary cause for the cracking that was occurring at the site was the presence of loose and variable subsoil (sand and muck) underneath the foundation, which could have been prevented TOP SOIL SUB SOIL by proper compaction. PARENT MATERIAL BEDROCK
  6. 6. Shrink-swell clay was also encountered during the investigation. It was determined that the cracking observed at this home was caused by a combination of loose and variable subgrade material along with the shrinkswell clay below the foundation. Cracking caused by shrink-swell clay occurs over a period of time involving dry and wet seasonal changes. In this situation, the shrink-swell was being escalated by the presence of loose soil above it.
  7. 7. What is shrink-swell? RAINY MONTHS DRIER MONTHS A water table naturally moves up and down (fluctuates) in response to the amount of rain an area receives. If large amounts of rain cause the water table to be higher than usual, some types of subsurface clay may swell with resulting foundation damage. Drought may result in lowering of the water table causing some types of clays to shrink. This may also result in foundation damage such as cracking. Source: Florida Department of Environmental Protection Water ponding Soil rises Evaportaion Soil shrinks
  8. 8. How was this claim resolved for the homeowner of this Gainesville builder? The warranty insurer paid approximately $74,000 for the repair of this structural claim . S® HAPPY HOME LONG LIVE $74,000.00 r meowne Gainesville Ho er Of Pay To The Ord llars thousand do Seventy four ount Am im Structural Cla * *Data collected from New Home Warranty Insurance Company. 00 and 00 2-10 Home Buyers Warranty
  9. 9. 25 ft To remediate the problem it was recommended by the geoengineering inspector to support the load-bearing wall with a deep foundation going down at least 25 ft, bypassing the loose subsoil and shrink-swell layers. Once appropriately supported, the repairs to the cracks could then be completed. SUB SOIL
  10. 10. 2-10 HBW was able to protect this builder from an expensive claim because structural warranty coverage was in place. Structural warranty coverage: • Insurance-backed coverage starts day one of closing • NO SOIL EXCLUSIONS • Third party insurance-backed warranty • Reinsured by SwissRe, one of the world’s largest reinsurers
  11. 11. Can your business survive a $74,000 structural defect? Call today to find out how you can include a 2-10 HBW Structural Warranty on the homes you build. 855.523.6422

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