Seven Year Coverage
Your home’s seven year warranty covers major structural defects (MSD) and begins on the date you take possession of the home and ends on the day before the seventh anniversary of that date. For example, if your home’s date of possession is October 23, 2005, the seven year MSD warranty begins on October 23, 2005 and remains in effect until and including October 22, 2012.
A major structural defect is defined in the The Ontario New Home Warranties Plan Act as:
In respect of a post June 30, 2012 home, any defect in work or materials in respect of a building, including a crack, distortion or displacement of a structural load-bearing element of the building, if it,
(i) results in failure of a structural load-bearing element of the building,
(ii) materially and adversely affects the ability of a structural load-bearing element of the building to carry, bear and resist applicable structural loads for the usual and ordinary service life of the element, or
(iii) materially and adversely affects the use of a significant portion of the building for usual and ordinary purposes of a residential dwelling and having regard to any specific use provisions set out in the purchase agreement for the home
The seven year MSD warranty includes significant damage due to soil movement*, major cracks in basement walls, collapse or serious distortion of joints or roof structure and chemical failure of materials. In addition to the general exclusions, the seven year MSD warranty specifically excludes: dampness not arising from failure of a load-bearing portion of the building; damage to drains or services; and damage to finishes.
*Soil movement means subsidence, expansion or lateral movement of the soil not caused by flood, earthquake, "acts of God" or any other cause beyond the reasonable control of the builder.
For more information on how Tarion assesses Major Structural Defect claims, please see our Major Structural Defect Warranty Interpretation Guideline.
Making a Claim
After the second year of possession only major structural defect (MSD) issues will be considered. You can make an MSD claim any time before the end of your seventh year of possession.
The easiest way to ensure your form is on time is to use MyHome which lets you manage your warranty online. MyHome users receive email alerts about deadlines and convenient online correspondence about their claims.
Warranty forms can also be submitted by courier or mail. If you would like to use a paper form, please call us at 1-877-982-7466 to obtain a copy. Once we receive your form, Tarion will send a notice confirming that it has been received on time. Submission by regular or registered mail is effective on the postmark date. Forms sent by regular mail must be received by Tarion on or before 10 days after the submission expiry date for that particular form. If a form is sent by registered mail and the postmark is missing or illegible, the date on the receipt provided by the post office will be used.
Where a time period ends on a weekend or holiday, it is extended to the end of the next business day. Submission periods are subject to a December 24 to January 1 (inclusive) Holiday Period.