SECTION 11 : HUD Addendum
bearing portions of a home caused by a failure of such load-bearing portions that affects their load-bearing functions to the extent your home becomes unsafe, unsanitary, or otherwise unlivable. Load-bearing components for the purpose of defining structural defects are defined as follows: footing and foundation systems; beams; girders; lintels; columns; load-bearing walls and partitions; roof framing systems; and floor systems, including basement slabs for the first through fourth years if the home is located in an area designated by HUD regulations on the warranty commencement date as containing expansive or collapsible soils (HUD has designated the State of Colorado as such an area). Damage to the following non-load-bearing portions of your home is not considered to be a structural defect: roofing; drywall and plaster; exterior siding; brick, stone, or stucco veneer; floor covering material; wall tile and other wall coverings; non-load-bearing walls and partitions; concrete floors in attached garages; electrical; plumbing, heating, cooling and ventilation systems; appliances, fixtures and items of equipment; paint; doors and windows; trim, cabinets, hardware, and insulation. Repair of a structural defect is limited to: (1) the repair of damage to designated load-bearing portions of your home which is necessary to restore their load-bearing ability; (2) the repair of designated non-load-bearing portions, items or systems of your home, damaged by a structural defect, which make your home unsafe, unsanitary or otherwise unlivable (such as the repair of inoperable windows, doors and the restoration of functionality of damaged electrical, plumbing, heating, cooling, and ventilating systems); and (3) the repair and cosmetic correction of only those surfaces, finishes and coverings, original with your home, damaged by the structural defect, or which require removal and replacement attendant to repair of the structural defect.
(Applicable to homes if originally purchased with an FHA or VA mortgage that is still in effect)
Any inconsistency between this HUD Addendum and the warranty will be governed and controlled by this HUD Addendum. The following language is added to Section 4 of the Warranty The warranty commencement date and the effective date of this warranty will be the date on which closing or settlement occurs in connection with the initial sale of the home, but in no event will the warranty commencement date be later than the date of FHA endorsement of your mortgage on the home. Notwithstanding anything to the contrary contained in this warranty, during the first year of coverage, we will correct construction deficiencies in workmanship and materials resulting from the failure of your home to comply with standards of quality as measured by acceptable trade practices. Construction deficiencies are defects (not of a structural nature) in your home that are attributable to poor workmanship or to the use of inferior materials which result in the impaired functioning of your home or some part of the home. Defects resulting from abuse or conditions considered to be normal wear and tear are not considered construction deficiencies. Further, during the first year of warranty coverage we will correct problems with, or restore the reliable function of, appliances and equipment damaged during installation or that we improperly installed. Structural defects are included in the 10-year warranty coverage period. A structural defect is actual physical damage to the designated load-
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