A Quick Start Guide to Thatched Property Insurance
If you own a thatched property or are thinking of buying one, then you need to ensure that your home is protected with a good insurance policy. You may have heard that getting insurance for a thatched property is more expensive and whilst this is usually the case, there are some excellent ways to save money.
Why thatched property insurance costs more
There are three main reasons why thatched property insurance comes with higher premiums –
- They have a greater chance of catching fire – Thatched roofs are much more flammable than tiles due to the materials used. Therefore insurance providers see them as a greater risk.
- They cost more to rebuild – Thatched roofs are built using specialist materials and methods, which makes rebuild costs significantly higher.
- Fire spreads very quickly and therefore there’s a greater risk of heavy damage – Because fire spreads quicker in a thatched property, the risk of heavy damage is much greater.
Ways to save money
Below are some excellent ways to save money on thatched property insurance –
- Get an electrical inspection – Getting an electrical inspection will show insurance providers that your property isn’t at danger of fire due to unsafe wires or other electrical components.
- Get a roof inspection – Having your roof inspected will ensure that it’s in good condition and not too dry and therefore at greater risk of catching fire.
- Get a chimney inspection – Chimney inspections are very important for thatched roof properties since they pose one of the greatest risks of fire when not properly maintained.
- Make your property more secure – A great way to make your property more secure is to have a secure front door fitted as well as an alarm.
The benefits of getting cover from an online specialist provider
- All types of cover available
- Specialist providers who are experienced dealing with thatched properties
- Flexible payment methods by credit and debit card
- Unoccupied property insurance
- Instant documentation
- Full support
Get quotes quickly & easily
If you’d like to get quotes for your thatched roof property in the easiest way possible, you’re in the right place. By clicking the red button below, you’ll be able to get quotes from a panel of thatched property insurance. A guide to buying a thatched roof home If you’ve dreamt of buying a thatched roof home then you’re not alone. Thatched roof houses are some of the most beautiful you’ll find in the UK, with many of them being listed properties of historic interest. If you’ve never owned a thatched roof property before then you may be a little daunted by the prospect. The main thing to be aware of with a thatched roof home is the higher maintenance needs of the roof and the fire precautions you must take. In order to keep the roof looking its best, you should have it inspected at least once a year. In order to cut down the risk of fire, the most important thing is to ensure that the roof is not unduly exposed to any risk of excess heat. This means that the chimney pot should be properly pointed and ideally a chimney liner installed.
Why buy a thatched roof home?
- Save on heating costs – Because thatched roofs are well insulated, you’ll save a great deal of heating costs during the winter.
- Beautiful appearance – There’s no denying that thatched roof houses look fantastic. Their beautiful rustic charm is one of the biggest reasons that they’re so desirable.
- Long-lasting – Thatched roofs can last up to 60 years depending on the materials used and how well maintained they are.
Important questions to ask when buying a thatched roof home
- When was the roof last thatched & what materials were used?
This will give you a good idea of how long it will be before you need to have it re-thatched. The amount of time a thatched roof lasts will depend on the skills of the thatcher and what materials were used amongst other things. Water Reed (Norfolk Reed) thatched roofs have the longest life, typically lasting 50-60 years.
- How well has the roof been maintained?
Maintenance plays a big role in how long a thatched roof will last. Therefore you should always find out how often the roof has been inspected and worked on.
- When was the chimney last swept?
If the property has a traditional wood burner or coal fire, you should find out when the chimney was last cleaned. A build up of chemicals and soot in the flue will increase the risk of fire and carbon monoxide poisoning.
- Does the chimney have a liner installed?
Chimney flue liners are a great way to prevent the flue from degrading and therefore decreasing the risk of fire whilst extending the chimney’s life.
Getting insurance for a thatched roof home
You have probably heard that getting home insurance for a thatched roof home is more expensive when compared to properties with a tile roof. Whilst this is true, there is a reliable way to cut down the costs and that is to get quotes from thatched roof property insurance specialists.
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