If you are the owner of a thatched property you probably already know how difficult it can be to arrange adequate cover for your buildings and contents, most insurers have no interest in offering cover for your home. However, there are providers that offer the bespoke approach required to offer insurance on a thatched home.

They will need to know more about your property, such as:-

How is the property heated?

This is vital information as of the 60 – 70 thatch home fire claims every year in the UK 85% are caused by the burning of wood or fossil fuels. Newer thatched homes often heat by electricity only to reduce the risk of fire.

When the wiring was last inspected by a qualified electrician?

Again this is important information as electrical faults are the second most likely cause of a fire in a thatched property. It is worth pointing out that most insurers will require an inspection by a qualified electrician at least once every 10 years.

When the thatch was last inspected, re-ridged, and thatched by a professional thatcher?

Dependant on the material used to thatch your home and the skill of the thatcher, a new thatched roof should last for at least 15 years. However, this can be extended considerably, refer to a professional thatcher for advice.

Is the property listed?

The cost of rebuilding a property can be greatly increased if the property is listed and you should ensure that you are adequately covered. Ensure that you have taken into account the construction of the walls and cost of replacing other period features when working out the cost of rebuilding your home.

Living in a thatched home invokes idyllic rural living and it is vital that you not only protect yourself by regularly maintaining the roof of your home but also by purchasing the right insurance product.

First-insurance.co.uk
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