Latent defects are hidden flaws in a building’s structure or systems that aren’t visible during inspections. They often stem from:
These issues can take months or even years to surface, and when they do, the cost of repairs can be significant.
LDI is a specialised policy that protects property owners, developers, and investors from the financial impact of hidden structural problems post-construction. It’s your safety net when things go wrong — even after thorough surveys and signoffs.
A standard LDI policy typically includes:
Some policies can be extended to cover rent loss or non-structural issues — and at Moriarty Insurance, we tailor coverage to suit your project.
Coverage usually begins at completion and lasts 8 to 12 years, giving long-term peace of mind.
For information about cover at Moriarty Insurance, contact our dedicated team who are always on hand to answer queries.
Whether you’re a:
…LDI is a critical layer of protection for your investment.
At Moriarty Insurance, we offer bespoke policies designed to safeguard your property from costly surprises. Our friendly team is ready to help — get in touch today and protect your build with confidence.
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