What’s Covered by a Builder’s Warranty?

One of the biggest advantages of buying new construction in San Antonio and surrounding markets like Boerne, Cibolo, Schertz, New Braunfels, and Helotes is the builder’s warranty. Unlike resale homes, which may leave buyers responsible for repairs from day one, new construction homes typically come with warranty coverage that protects against major issues during the first several years of ownership. 

But here’s the catch: not all warranties are created equal, and not everything is covered. Understanding the details of your builder’s warranty helps you know what to expect, what’s excluded, and how to take full advantage of this protection. 

This blog breaks down the common 1-2-10 builder warranty structure, explains what is and isn’t covered, and highlights why even with a warranty, inspections are still important for San Antonio buyers. 

The Standard 1-2-10 Builder Warranty 

Most builders in Texas offer what’s known as a 1-2-10 warranty structure. It breaks down coverage by time period and type of issue. 

1-Year Workmanship Warranty 

• Covers materials and workmanship issues, including paint, drywall, trim, cabinets, doors, and flooring. 

• Protects against cosmetic or functional flaws that result from construction errors. 

• Example: If a cabinet door won’t close properly or drywall begins to crack within the first year, it should be repaired under warranty. 

2-Year Systems Warranty 

• Covers major systems like plumbing, electrical, and HVAC. 

• Protects buyers if a water line starts leaking or if the AC stops cooling due to installation errors. 

• Example: If your home’s electrical system trips frequently due to poor wiring, it falls under the 2-year warranty. 

10-Year Structural Warranty 

• Covers the home’s structural elements, including foundation, framing, and load-bearing walls. 

• Protects against major issues that could compromise the home’s safety or stability. 

• Example: If the foundation shifts significantly or framing fails, the builder is responsible during the 10-year coverage window. 

What’s Not Covered by a Builder’s Warranty 

While warranties provide valuable protection, there are limitations. Buyers should understand what isn’t typically included. 

• Normal Wear and Tear: Scuffs on walls, worn carpet, or fading paint are not covered. 

• Cosmetic Damage After Move-In: If you chip a countertop or scratch flooring after closing, it’s your responsibility. 

• Improper Maintenance: Damage caused by neglecting maintenance (like failing to change HVAC filters) isn’t covered. 

• Weather-Related Damage: Flooding, hail, or wind damage may be covered by homeowners insurance but not the builder’s warranty. 

• Appliances: While some builders include manufacturer warranties on appliances, they’re usually separate from the builder’s coverage. 

Why Inspections Still Matter 

Many buyers assume that because warranties exist, they don’t need inspections. This is a costly mistake. 

11-Month Warranty Inspections 

Scheduling a professional inspection at month 11 of your warranty period is one of the smartest moves you can make. Inspectors often find issues like roof leaks, plumbing problems, or HVAC malfunctions that weren’t obvious earlier. Reporting these before the warranty expires ensures the builder handles repairs instead of you paying out of pocket. 

Phased Inspections During Construction 

Pre-drywall and pre-closing inspections catch mistakes early. Even though warranty coverage applies, it’s always easier to fix problems before you move in. 

Local Examples of Builder Warranty Coverage 

• Schertz Buyer: At month 10, an inspection revealed shifting in the foundation slab. The builder corrected the problem under the structural warranty, saving the buyer thousands in repair costs. 

• New Braunfels Community: A family noticed uneven cooling between upstairs and downstairs rooms. The issue was traced to poorly balanced ductwork and was repaired under the 2-year systems warranty. 

• Cibolo Home: Cosmetic cracks in the drywall appeared within the first year. Because they were reported before the one-year mark, the builder repaired them at no cost to the buyer. 

FAQs: Builder Warranties in San Antonio 

Q: Does the warranty transfer if I sell my home? 
A: Yes, builder warranties usually transfer to the next buyer. This can make your home more attractive when reselling. 

Q: Should I still get an inspection during the warranty period? 
A: Absolutely. An 11-month inspection ensures problems are identified and repaired before your coverage expires. 

Q: Are appliances included in the builder’s warranty? 
A: Typically no. Appliances come with their own manufacturer warranties. Always ask the builder for documentation. 

Q: What happens if my builder goes out of business? 
A: Many warranties are backed by third-party companies, ensuring coverage remains even if the builder is no longer operating. 

Q: Do custom builders and production builders offer the same warranty? 
A: Most production builders in San Antonio follow the 1-2-10 structure, but custom builders may offer different terms. Always request the warranty details in writing. 

Why This Matters for Military and PCS Buyers 

Military families relocating to JBSA often prefer new construction because warranties provide added peace of mind. When buyers may only be stationed in San Antonio for a few years, the ability to transfer warranties to the next owner strengthens resale value. Additionally, VA buyers benefit from knowing systems and structures are protected, minimizing financial risk during a PCS transition. 

The Bottom Line

Builder warranties provide important protection, but only if you know what’s covered — and what isn’t. By understanding the 1-2-10 warranty structure, scheduling inspections at key points, and reporting issues promptly, buyers in San Antonio, Boerne, Schertz, Cibolo, Helotes, and New Braunfels can maximize their coverage and protect their investment. 

Whether you’re buying a move-in ready home or building from the ground up, warranties are a powerful tool — but they don’t replace the need for diligence. With the right strategy and guidance, you’ll enjoy peace of mind long after move-in day. 

👉 Thinking about buying, building, or selling in Greater San Antonio? Contact Tami Price, Realtor®.