What's covered under the Alberta New Home Warranty Program if we find foundation cracks in year 8 in our Okotoks build?

Foundation cracks discovered in year 8 of your Okotoks home would fall under the 10-year major structural defects coverage of your Alberta New Home Warranty Program (ANHWP) warranty, provided they qualify as structural defects rather than normal settling.

Under Alberta's New Home Buyer Protection Act, your home is covered by 1-2-5-10 warranty insurance through one of the approved warranty providers (ANHWP, National Home Warranty, Progressive Home Warranty, or WBI Home Warranty). The 10-year coverage specifically protects against major structural defects that affect the load-bearing capacity of your home, including foundation failures that compromise structural integrity.

What qualifies as a structural defect versus normal settling is crucial. Minor hairline cracks from normal settling are typically not covered, but significant foundation movement, horizontal cracks, stair-step cracks wider than 1/4 inch, or cracks that allow water penetration may qualify. In Okotoks, like much of Greater Calgary, expansive clay soils can cause foundation movement that goes beyond normal settling. If the cracks are causing doors and windows to stick, floors to slope, or walls to separate, these are signs of structural movement that should be covered.

The claims process requires you to contact your warranty provider immediately. They'll send an inspector to assess whether the damage qualifies as a structural defect under the warranty terms. Coverage limits vary by provider but typically range from $100,000 to $300,000 for structural defects. The warranty covers repair costs but not temporary accommodation or personal property damage.

Important timing considerations: You must report the defect before the 10-year anniversary of your home's possession date. Don't wait if you're noticing foundation issues — document everything with photos and contact your warranty provider promptly. In Alberta's climate, foundation problems can worsen quickly through freeze-thaw cycles.

Next steps: Check your original purchase documents to identify your warranty provider, document the cracks with photos and measurements, and file a warranty claim immediately. If you're unsure about your warranty provider or coverage details, contact the Alberta New Home Warranty Program at anhwp.com for guidance on the claims process.