The criteria are that the claimant owns the dwellinghouse to which the claim relates; and—
(a) it was built (or alterations giving rise to the claim were made to it) before 1 January 2012 and within the period of 10 years immediately before the day on which the claim is brought; and
(b) it is not part of a multi-unit complex; and
(c) water has penetrated it because of some aspect of its design, construction, or alteration, or of materials used in its construction or alteration; and
(d) the penetration of water has caused damage to it.