Inside Orlando, FL’s new-home warranties: What’s covered and what’s not

Buying a brand-new home in Orlando, FL brings a sense of relief: no old plumbing to replace, no aging roof to patch, and no hidden repair surprises.

But even new construction isn’t immune to flaws. That’s where your new-home warranty comes in, providing confidence and coverage as you settle in. However, many buyers misunderstand what these warranties actually cover and, more importantly, what they don’t.

Let’s break it down so you know what protections to expect when buying a new home in Orlando.

WHAT IS A NEW-HOME WARRANTY (AND WHY DOES IT MATTER)?

🛠️ A new-home warranty is a legally binding, builder-backed agreement that covers certain repairs or replacements on your new home for a set period

Sometimes called a builder’s warranty or a structural warranty, it is your builder’s promise to stand behind their work.

In Florida, these warranties usually come in two forms. These are:

• Statutory warranties. They offer the basic protection required by state law.
• Builder-backed warranties. They are provided voluntarily by the builders. These include extended coverage or third-party support.

Think of the first as the minimum safeguard and the second as a value-added feature that reputable Orlando builders offer to show their commitment to quality.

Compared to resale properties, new construction provides much more peace of mind. Instead of buying a home “as-is,” your investment in Orlando, FL real estate includes multi-year protection against major system failures and structural defects, something most existing homes simply can’t match.

WHAT IS THE STANDARD COVERAGE IN MOST NEW-HOME WARRANTIES?

🛠️ While details vary by builder, most Orlando, FL real estate developments follow a similar warranty structure:

Warranty period	Warranty type	Coverage details
1 year	Materials and workmanship	This is the broadest phase, covering cosmetic and finishing items, such as drywall cracks, paint touch-ups, trim, flooring, and cabinetry issues that result from normal settling or construction imperfections.
2 years	Major systems	This phase emphasizes functionality. Your home’s plumbing, electrical, heating, and air conditioning systems are generally protected from defects that could affect performance.
10 years	Structural integrity	The longest and most critical part covers all elements, including foundations, framing, load-bearing walls, and roof issues. Many Orlando, FL real estate agents note that these warranties influence buyers’ decisions when comparing new construction to older resale properties.

Builders such as Lennar, Pulte, and Meritage Homes (well-known in the Greater Orlando area) offer warranties supported by third-party companies, like the 2-10 Home Buyers Warranty, which provides added reassurance that coverage remains valid even if the builder changes ownership.

📹: Inside one of the most stunning new homes for sale in Orlando, FL.

WHAT ARE COMMON EXCLUSIONS ON NEW-HOME WARRANTIES?

🛠️ New-home warranties usually exclude cosmetic flaws, normal wear and tear, and homeowner-added features or neglect-related damage.

A warranty isn’t a blanket protection plan. Knowing what’s not covered is just as important as understanding what is.

Here are common items that fall outside the warranty terms:

• Normal wear and tear like paint fading, minor cracks, and settling
• Improper maintenance by the homeowner
• Appliances, which are usually covered by manufacturer warranties
• Exterior features added after construction like landscaping and fences
• Storm- or hurricane-related damage covered by your homeowners’ insurance, not your warranty

In short, if the damage is caused by neglect, weather, or aftermarket additions, it’s your responsibility.

HOW DO ORLANDO BUILDERS DIFFER IN WARRANTY COVERAGE?

🛠️ Each builder has their own warranty approach. Some partner with national providers for added credibility, while others handle issues in-house through their customer care teams.Third-party insurance-backed warranties (like the 2-10 or StrucSure Home Warranty) provide a neutral layer of protection, ensuring the homeowner isn’t relying solely on the builder’s internal process.

Builder-managed warranties may offer more flexibility or faster response, but they can vary in duration or terms.

That’s why reviewing the fine print is essential. Before signing a contract, carefully review the warranty booklet.

✅ Pro tip: Have your Orlando, FL real estate agent guide you. They can clarify what’s standard in the area and which builders consistently provide top-tier after-sales support.

WHAT’S NOT COVERED BUT STILL PROTECTED BY FLORIDA LAW?

🛠️ Florida’s Construction Defect Statute (Chapter 558) grants homeowners the right to pursue claims for major structural defects caused by poor workmanship or code violations. Thus, even after your builder’s warranty expires, you still have options.

Under this law:

• Builders must be notified and allowed to repair before litigation is initiated.
• Homeowners generally have up to 10 years from the completion date to file a claim.
• Certain structural protections are statutory and remain in effect even after the builder’s warranty expires.

Understanding these protections can help you avoid costly surprises and give you leverage if serious issues arise.

📹: Thinking of buying a new home in Orlando? Watch this first!

HOW CAN HOMEOWNERS MAXIMIZE THEIR NEW-HOME WARRANTY?

🛠️ A warranty is only as good as how effectively you use it.

Here are some tips to stay proactive:

1. Schedule inspections before the warranty deadline, especially the one-year walkthrough, to spot visible defects.
2. Keep a detailed log of issues as they arise, regardless of their severity.
3. Submit requests in writing and keep all correspondence for future reference.
4. Hire a knowledgeable Realtor familiar with new construction to resolve disputes and coordinate with builders.

✅ Pro tip: A seasoned Orlando, FL real estate agent like that of The Dee Team will know which builders are responsive and deliver quality craftsmanship.

WHEN SHOULD HOMEOWNERS CONSIDER A THIRD-PARTY HOME WARRANTY?

🛠️ After your builder’s coverage ends, consider extending your protection with a separate home warranty.

These plans are beneficial if:

• Your builder’s warranty has expired, but you want coverage for appliances or systems.
• You’re planning to sell soon and want to give buyers extra confidence.
• You prefer a safety net against unexpected breakdowns.

Reputable companies like American Home Shield or Choice Home Warranty can complement your existing coverage, providing ongoing peace of mind.

YOUR ORLANDO HOME DESERVES COMPLETE PROTECTION

Knowing what’s covered and what’s not can make a big difference when buying a new home. Before signing any contract, review warranty details, ask questions, and involve professionals familiar with the local market.

Connect with us at Orlando Home Show today. As trusted experts in new homes in Orlando, our team can match you with reputable builders, explain your warranty options, and help protect your investment from the start.

Call 321.276.8601 or send an email to schedule a free consultation.