Buying a new construction home should feel exciting, not confusing. Yet many buyers are unsure what a builder warranty really covers and when to speak up. You want your home to perform as promised and to know exactly how to handle issues if they pop up. In this guide, you’ll learn how new‑home warranties typically work in Murfreesboro, what to document at each stage, and how to navigate claims with confidence. Let’s dive in.
What a 1‑2‑10 warranty covers
Most builders use a “1‑2‑10” style warranty. The exact terms come from your builder’s written warranty and any third‑party warranty administrator, so always read those documents closely before closing.
1 year: workmanship and materials
This first year usually covers workmanship and materials. Think finish items and how components operate. Examples include paint and trim, flooring installation issues, cabinet alignment, interior doors not latching, or window operation problems. Minor leak repairs caused by workmanship can also fall in this window.
2 years: systems and mechanical
The second year typically covers major systems that affect habitability. This often includes HVAC performance, electrical wiring and service, and plumbing lines or components. If something essential stops working due to a system defect, this is the window that may apply.
10 years: structural integrity
The 10‑year period usually focuses on major structural defects. Coverage centers on load‑bearing elements such as the foundation, beams, load‑bearing walls, or structural framing. This level often applies only to defects that affect safety or make the home uninhabitable.
Common exclusions to expect
Most warranties exclude normal wear and tear, cosmetic scratches, and typical settling or shrinkage. Damage from lack of maintenance or homeowner alterations is also usually excluded. Appliances and equipment often have separate manufacturer warranties, so keep those documents and serial numbers handy.
How the claim process works
A smooth warranty experience starts with a focused walkthrough, followed by timely reporting and careful record‑keeping. Here is the typical flow from pre‑closing through year ten.
Before closing: final walkthrough
Use the final walkthrough to identify visible defects and incomplete items. Create a written punch list with photos and ask the builder representative to acknowledge it in writing. A clear record at this stage helps set expectations and timelines for completion.
First 30–60 days: systems check
In the first month or two, verify that HVAC, plumbing, and electrical systems are working as intended. Note any cosmetic issues you missed at closing. Report problems promptly using the warranty’s instructions, and keep copies of what you send.
Filing a claim: step by step
- Identify the warranty contact listed in your closing documents.
- Document the issue with photos, dates, and a brief description. Note any safety concerns.
- Submit the claim using the required method. Written submissions are best because you can save a copy.
- Allow for an inspection to confirm coverage and responsibility.
- If covered, schedule repairs. If not, request a written explanation.
- After work is completed, get written confirmation and save receipts.
Timelines: what to expect
Initial acknowledgement often arrives within 7–14 business days. Non‑emergency repairs are commonly scheduled within 30–90 days of acceptance. Emergencies like major leaks or electrical hazards are usually addressed faster. Actual timing depends on the builder, subcontractor schedules, parts availability, and season.
If your claim is denied
Ask for the denial in writing and the reason behind it. Provide added documentation if needed and escalate to builder management or the third‑party warranty administrator per the process in your documents. If issues remain unresolved, consider local consumer protection resources or legal counsel.
What to document and keep
Strong documentation speeds up solutions and protects your rights. Build a simple system that you can maintain over time.
Your warranty folder checklist
- Purchase agreement, builder warranty, and any third‑party policy
- Closing documents, deed, and certificate of occupancy or final inspection sign‑offs
- All correspondence with dates and names
- Photos and videos of issues with timestamps
- Punch lists and builder responses
- Repair invoices, receipts, and service logs
- Manufacturer warranties for appliances, HVAC, and roofing plus serial numbers
- Maintenance records that show routine care, such as HVAC filter changes
How to document issues well
Take clear, well‑lit photos and short videos that show the problem and surrounding area. Use consistent filenames and dated folders. Keep a simple communication log that lists the date, contact, method, summary, and next follow‑up. For formal notices or escalations, use email and consider certified mail.
Murfreesboro specifics to watch
Local conditions can affect how your home performs and what you should check first. A few focused steps can prevent common headaches.
Permits and inspections
Confirm that permits and inspections were completed and that you received a certificate of occupancy at closing. Rutherford County’s building and codes records help verify approvals and milestones. Keep copies in your warranty folder.
Climate and soils
Middle Tennessee has humid summers and occasional winter freezes that can affect HVAC performance and seasonal expansion or contraction. Many areas also have clay or expansive soils that can lead to differential settling. Watch for new cracks or doors and windows binding. If you suspect movement, consult a qualified inspector.
Drainage and grading
After landscaping and first rains, confirm that water flows away from the foundation. Poor grading and clogged drains are common reasons for early warranty claims. Note any standing water after rainfall and report concerns in writing.
HOA versus builder responsibilities
If your home is in an HOA, review what the HOA maintains versus what is on you or the builder. This is especially important for landscaping, common areas, or exterior items that may not fall under the builder’s warranty.
When to escalate and who to call
Most claims resolve at the builder level. Still, it helps to know the proper path if you need to push for action.
Situations that call for escalation
- Repeated failures to repair a covered defect
- A denial that conflicts with the warranty language
- Safety issues not addressed in a timely way
Typical escalation path
- Builder warranty department or project manager with a formal written claim
- Builder senior management or corporate customer service
- Third‑party warranty administrator using their appeal process
- Local consumer protection or state regulatory agencies
- Mediation or arbitration if required by your contract
- Legal counsel for complex or unresolved structural or safety issues
Legal timelines
Contract warranty periods and state timelines vary. Do not assume coverage beyond your written warranty without advice. If you are considering formal action, consult a Tennessee attorney familiar with construction matters to understand deadlines.
Pro tips for your first year
- Schedule a 30‑day systems check and send any issues in writing.
- Keep a single email thread for each issue so communication stays organized.
- Replace HVAC filters on schedule and log the dates.
- At month 11, request a one‑year walkthrough with the builder to catch items before the window closes.
- Save every confirmation, receipt, and photo in your warranty folder.
How our team supports you
You deserve a clear, calm process from contract to close and beyond. With decades of builder‑side experience and strong local relationships, we help you understand your warranty, prepare punch lists, and time your one‑year walkthrough. Our goal is simple: protect your investment and reduce friction so you can enjoy your new Murfreesboro home.
Ready to talk next steps for a new build or custom home? Connect with Susan Gregory to Request a Consultation.
FAQs
What does a 1‑2‑10 builder warranty include on a new Murfreesboro home?
- Typically 1 year for workmanship and materials, 2 years for systems like HVAC, plumbing, and electrical, and 10 years for major structural defects.
How soon should I file a warranty claim after closing on new construction?
- Report issues as soon as you notice them, ideally within the first 30–60 days for early items, and always before the relevant warranty window ends.
Are appliances in a new home covered by the builder warranty?
- Often appliances are covered by separate manufacturer warranties, so keep those documents and follow the maker’s claim process.
What if the builder denies my warranty claim in Rutherford County?
- Request the denial and rationale in writing, supply added documentation, escalate to management or the third‑party administrator, and consider consumer resources or legal counsel if needed.
Should I plan a one‑year walkthrough on my new Murfreesboro home?
- Yes, ask for a one‑year walkthrough around month 11 to catch workmanship items before the first‑year coverage window closes.
How do local soils and weather affect warranty issues in Middle Tennessee?
- Humidity, freeze events, and clay soils can impact systems and settling; monitor cracks, door and window operation, and drainage, and document concerns promptly.
