cover in years 3-10

What Platinum Seal will pay for:

a. The full cost, if it is more than £350 (indexed), of putting right any actual physical major damage caused by defect in the structure of the home and of the following parts of the home:

• Chassis;
• Load bearing walls;
• External render, delamination and external vertical tile hanging;
• Load bearing parts of the roof;
• Load bearing parts of the floor;
• Floor decking, screeds and staircases where these fail to support normal loads.

b. The cost of putting right any defect in a flue or chimney which causes a present or imminent danger to the physical health and safety of anyone normally living in the home.

c. Any reasonable costs you incur by prior agreement with us for removal, storage and appropriate alternative accommodation.

What Platinum Seal is not liable for:

• All that was excluded in years 1 and 2.
• Any claim under a. where the cost of repair is £350 or less (indexed).
• Anything excluded by an endorsement by Platinum Seal on the insurance certificate.
• Damage caused by shrinkage, thermal movement or movement between different types of materials.
• Damage which is purely cosmetic, such as minor cracking, spalling or mortar erosion to brickwork, which does not impair the structural stability or weather tightness of the home or which only affects decorations.
• Anything which was or could have been reported to the manufacturer under years 1 and 2.
• Any defect in a ceiling which is not an enclosed part of the home e.g. balcony ceilings.
• Anything not associated to the manufactured build of the home such as concrete base, brick (or other form of) skirt between the concrete base and the home.
• Any defect in a ceiling which is not an enclosed part of the home e.g. balcony ceilings.
• Anything listed in the General Exclusions.