It seems from our experience that there is a common misconception that a home owners warranty (HOW) policy provides a home owner with a facility to simply make a claim under the HOW policy for any deficiency in a newly constructed building. However, while in some circumstances a HOW policy provides a facility to make a claim under it for the cost of rectification of defects in the insured building work without having to take proceedings against the builder, it is not typically the case.