TBH from what I've seen of guarantee's and insurances lately they aren't worth the paper they are written on, our floor has collapsed and apparently that's not covered by buildings insurnace, the only way it would be is if a pipe has burst, which it may have but we have no way of knowing until we dig out the concrete, which they will not pay for.
Seriously wonder why we pay extra for guarantees etc.
Will have a look at the Kardean though, thank you.