Change the Home Buyer Protection Act

Change the Home Buyer Protection Act

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Deborah Teichroeb started this petition to mailto:tbf.minister@gov.ab.ca and

 


 

 

The New Home Buyers Protection Act ( NHBPA)  and the New Home Warranty Insurance program need to change.

New Home Buyers,The Mortgage Lenders, CHMC, and the Home Insurance policy providers need to know that the “ NHBPA” may have given them a false sense of security and their practices of trusting the system needs to be relooked at.  Mortgage lenders do NOT require Home inspections on a new home as they do older homes. It is likely that they feel confident that no major issues are to be of concern with the NHBPA & new home warranty insurance.  Home insurance policies assume newer home, less issues. Everyone needs to know that is not the case.

The INTENT of the New Home Buyers Protection Act ( NHBPA) is to enhance the Standard of building in Alberta, improve builder accountability as well as increase consumer protection & recourse actions.

The ROLE of NHBPA is to support builders, warranty providers, homeowners and permit issuers. This is to be accomplished by providing:

1. Legislative interpretation- Construction Performance Guide. Developed with representatives from Government, home warranty and construction industry.

The guide was developed to provide builders and warranty providers with an easy to use reference on basic requirements of warranty coverage under the New Home buyer Protection Act and recommended minimum performance expectations for new homes in Alberta.

Standardized catalog of defects to be used by all warranty providers and builders. (Defect description, acceptable performance, applicable coverage, expedited action etc.) 

2. System and administrative support- Issue building permits for new home construction when warranty or exemption/authorization is in place.

3. Public education- Change the public view of homes. Education & awareness campaign

 

The REALITY is, rather than the INTENT, is that the New Home Buyers Protection Act (NHBPA) DOES NOT enhance the Standard of building in Alberta, it DOES NOT improve builder accountability as well It DOES NOT increase consumer protection & recourse actions.

 

The ROLE of NHBPA is to support builders, warranty providers, homeowners and permit issuers.

 


1. Legislative interpretation- Construction Performance Guide. Developed with representatives from Government, home warranty and construction industry.  

The NHBPA does support their builders. BUILDERS CAN TOTALLY DISREGARD the CONSTRUCTION PERFORMANCE GUIDE and The BUILDER CAN totally choose to ignore the minimum performance expectations and or building codes- and to make matters worse HOME WARRANTY INSURERS ENCOURAGE THIS PRACTICE.

The NHBPA does support their home warranty providers.  The insurers can issue insurance policies to any builder. The insurers to do NOT need to ensure the builder has any qualified tradesmen and can actually build a home according to The Construction Performance Guide. They don’t inspect the builder’s homes.  When a new home buyer has issues with their new build the insurers make it extremely difficult to successfully make a claim. They have lots of support. 

The NHBPA does NOT support the homeowners. There is NO accountability to the builder when they disregard the performance guide. The can and do continue to build new homes with the same defects. The insurers have so many loopholes to avoid covering any claims that it’s impossible to win a claim. The homeowners are left holding the garbage that was sold to them and the NHBPA contributed to this by design of said ACT.

2. System and administrative support- Issue building permits for new home construction when warranty or exemption/authorization

3. Public education- Change the public view of homes. Education & awareness campaign-

The REALITY is many believe that when this ACT became an ACT that we could be MORE confident that there were processes, inspections and builder accountability that would ensure that builders would want to comply with the Construction Performance guide & building codes. When “mistakes “did happen that the builder and home buyer could count on the “insurance” to correct the mistake. The builder would be made aware and learn to avoid the mistake in the future or face Insurance and/or license consequences. Ultimately over time we would have all builders be better builders and less insurance claims made and ultimately Home Owners would actual have a “NEW HOME BUYERS PROTECTION ACT” as I assume it was intended.  

ACTUAL LEARNT EDUCATION- Many new home owners have learned that even when builders demonstrate Proof of non-code compliance and or best practice and totally ignoring the CONSTRUCTION PEFORMANCE GUIDELINES that the HOME WARRANTY INSURANCE does not have anyone’s best interest in mind other than lining their own pocket books with cold hard cash.

The home warranty insurance program is a difficult process to navigate and you will be lied too, bullied and totally be disrespected. They are not there for you.

The Facts are that the through the Role’s  of NHBPA it protects the reprehensible builders, the warranty providers are getting rich off of home buyers and are not honoring warranties and make it extremely difficult for homeowners to file and have successful claims. No oversight it taking place on the building process. Permit issuers are not completing inspections adequately or at all.

The NEW HOMEBUYER PROTECTION ACT has failed and the public would be better protected by going back to getting all homes inspected, being weary of new companies, and not thinking that the Alberta Government has this to help protect their investment.

In conclusion, the insurer has ZERO interest in ensuring the builder doesn’t keep building homes inadequately for others. If they did builders would be held accountable for not following performance standards, they would be required to fix these homes. The insurers would inspect the homes, they would issue fines or penalties for blatant non performance. I feel that this is the TRAVESTY of it all. The INTENTION was good but greedy money hungry INSURANCE COMPANIES have been unmonitored and have changed the purpose of the act. This act NEEDS TO GO  and/or major changes need to take place. Presently It’s not worth the paper it’s written on.

 

0 have signed. Let’s get to 100!
At 100 signatures, this petition is more likely to be featured in recommendations!