The last obstacle a builder faces during a construction project is returning to the site to patch nail pops and concrete cracks, and to make minor adjustments and small repairs. Builders new to the business soon realize, however, that without a written warranty, anything and everything ends up on their client's repair list. On the other hand, a good warranty works to everyone's advantage. It instills confidence in clients that their investment will be protected, and it reduces the chances that the builder will be nickel-and-dimed to death by an endless series of callbacks. There are several national warranty programs, such as Home Owners Warranty (HOW) and HomeBuyers Warranty (HBW), all of