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Fire safety assessments will reduce risks and help keep employees, customers and others at the property safe, whilst protecting the business. We provide cost-effective solutions that help visualise risks to insurers, as well as provide all the information an underwriter needs to put forward the best terms possible. Aston Lark offers bespoke insurance solutions that are crafted to cover your activities. We will offer a personal service and work alongside you to fully understand your business, operations and staff. Building warranties are specialist insurance products which provide financial protection against construction defects that aren’t solved by the original contractor. You may also need to have the roof inspected by a thatcher or builder every five years, and any repairs carried out immediately.
Your standard buildings insurer will not necessarily have a lot of expertise or experience with insuring thatched homes. So you might find that they're not as understanding when you need to make a claim. Or in many cases, they will simply refuse to provide you with insurance altogether. Thatched home insurance shoppers will expect to pay more for a thatch roof home insurance policy, than their slate or tile roof counterparts.
How to reduce fire risk to your thatched house
However, we will provide appropriate information to allow you to make an informed decision about how you wish to proceed. It’s worth checking the policy details if your roof falls outside of these categories. Yes, as you can imagine some of the nicest old pubs are thatched and they are not the easiest to insure. Use a fire-retardant spray on your roof or have a fire-resistant barrier such as an aluminium foil barrier installed under the thatch.
Installing several fire alarms could help reduce the cost of thatched roof insurance, speak with your broker for more details. Fire – A large concern for insurers is the damage fire can do to a thatched roof property. Fire can easily spread so the damage risk is increased and can be more detrimental, thus increasing your premium.
Does thatched roof insurance cost more?
It covers homes for theft, floods, storms and accidental damage, but also takes into account the higher risk of fire - which is the main reason you’ll need a specialist policy. One way of reducing the risk of fire is to install fire resistant barriers into your thatched roof, as well as spraying the roof with fire retardant spray. By providing practical advice and support, we help thatch homeowners make informed decisions and protect their properties effectively. Many companies discourage insurance for the full reinstatement of a historical building, as a total rebuild will not restore the historical significance of the building.
These protections often make the insurance process more difficult, although nothing that many regular home insurers or high net worth insurers won’t be able to handle. You may be turned away by some, but companies that insure grade 2 buildings will be able to provide reinstatement insurance, at least in part. Thatch is essentially straw or reeds bundled together to form a thick waterproof layer over your house.
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You can get buildings insurance and contents cover as a combined home insurance policy. Our FREE guide answers all of these questions and more making it easier and quicker to get a quote. Thatching is the oldest and most traditional method of roofing in the UK. That is significant, observing that the bulk of the property and the contents do not hold much weight on the premium of the policy in comparison to the roof. Use professionals – if you need your thatch repaired or re-thatched make sure you do your research on professionals or companies who offer this service.
Thatched roofs will need more ongoing maintenance than a standard tile roof. The perishable materials used are more susceptible to extreme weather, pollution, and general wear and tear, such as decay of the thatch. We will talk to you, understand your needs and tailor an insurance quotation to your requirements at the best price possible.
Ferrari Insurance
As soon as we have spoken to you we discuss and negotiate with them on your behalf to get the best offer of insurance. At the same time, we explain the endorsements and your responsibilities to ensure the Thatched Home Insurance policy is valid if you need to make a claim. Today, quite a lot has changed and thatched homes are now a far wealthier symbol, evoking images of the idyllic countryside and 18th-century villages. The building of thatched houses is said to be on the rise in the UK despite the difficulty in sourcing cheap materials for the thatched roofs and the complications in finding appropriate insurance.
They are made from natural, sustainable materials that are often locally sourced, and also provide excellent insulation, allowing homes to retain heat in winter and stay cool in summer. Skilled thatchers maintain some of the UK’s oldest cottages and homes, and also provide new roofs for many property developers and homeowners who prefer this old roofing style. Thatched roofs are durable, sustainable and add real character to the aesthetics of a home. A thatched roof is more expensive to build than standard concrete tiles, but when laid correctly and properly maintained, thatched roofs can last up to 60 years. For your peace of mind, it’s vital to make sure that you’ve got the right insurance to protect your home. At the present time there are few brokers in the UK that can match our knowledge and understanding of what thatched property owners need.
If you have a home with a thatched roof, you might find it harder to get cheap buildings insurance premiums. That’s because insurers are weighing up the risk of protecting your property. Thatched roofs are generally harder to maintain and come with a greater risk of fire damage than regular roofs. On top of that, thatched roofs often require work carried out by specialists, which might be more expensive than your usual maintenance work. If you have a newer thatched property (i.e. one that was built in the last 50 years or so) then you may find the materials used are of a higher quality than if you have one from the 18th century. If that's the case you might find a regularbuildings insurance providerwilling to insure your property.
You therefore need to ensure that you have the correct insurance in place so that in the event of a claim you are fully covered. Aston Lark’s Group Income Protection provides your employees with peace of mind, covering essential monthly costs during recovery. Our Business Health & Safety Review packages provide you with a health and safety action plan to improve your risk management in areas that are not being well-managed. To improve your business’ health and safety, we offer a web-based risk compliance portal supporting you in areas such as human resources, business continuity and legislation. Aston Lark understands that running a small business is always personal. Our dedicated team will take the time to get to know your business – so we can find you exactly the right cover.
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