cost of thatched roof insurance

One of the most important is the rebuild cost of your home. Thatched Roof House Insurance . Because unlike insurers who shy away from homes that don’t fit the norm or easily tick all the boxes, our knowledgeable, specialist thatch team relishes finding you excellent levels of cover for your thatched home – and at a competitive price. The scientific term for insulating properties is “thermal conductance,” known as the U value. GoCompare uses cookies. Thatched Property Insurance. Property owners tend to do best (in terms of the cost of insurance) when they work with specialist insurance providers that focus on thatched structures. Contents insurance includes your belongings that are kept in your home and possible those in your garden, shed and outbuildings, depending on the policy. Expect to pay more for your buildings or contents insurance as a thatched roof is a bigger fire risk than a slate roof.They also have a more expensive rebuild value than conventional houses because they’ve … Request my quote › or Call 01823 250702 / 0800 387396 There’s usually a different set of exclusions for a thatched policy, and you’ll be required to have fire precautions and keep the roof well maintained. Firstly, it is very important that you have buildings insurance on your thatched property. Yes. In the first place, the price depends on the surface of 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. Your buildings, contents or combined policy will cover your thatched home and/or belongings for fire, storm and flood damage and theft. The U-value of a properly thatched roof is 0.35, which is equivalent to 4 inches of fibreglass insulation between the joists. And that's why we love insuring them. No matter what construction your roof encompasses or whether your home is grade 1,2 or 3 listed – contact us or give us a call on 01442 24 24 00. Thatched Roof Cost? The premium is affected chiefly by how you heat the house – woodburners and multifuel stoves can add to the cost simply because they involve flames, where radiators and other standard types of central heating don’t. It would charge £1,210 a year for building insurance for a threebedroom thatched cottage in the picturesque village of Lavenham in Suffolk, with a rebuilding cost of £250,000. It’s always good to find out from your neighbours who they used (if they have a thatched roof too). Your thatch roof life span will be affected by natural degradation and can last anything from 20-50 years. Thatch is not exactly a new material, having been around for about 10,000 years. However, what makes it a specialist insurance policy is its specific cover against issues that are specific with having a thatched roof property, particularly the increased fire hazard and also the expertise required to replace or fix the roof. Specialist thatched roof insurance does not have to mean unaffordable premiums. Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. All our thatched house insurance policies are backed by triple-A rated insurance companies, giving you real peace of mind when it matters most. Registered office is at Suite D2, the Quadrant, Mercury Court, Chester, Cheshire, CH1 4QR. All insurance policies differ, and insurers will charge varying amounts but there are things you can do to reduce your premium (the amount you pay for your insurance). They could potentially offer you a cheaper home insurance policy and can give you expert knowledge. ME Expert Limited is authorised and regulated by the Financial Conduct Authority FRN 917459. The total thatched roof cost a customer bears does not necessarily stop at the job itself. Each risk will be individually calculated by our expert staff. This will increase your insurance premium. A roof replacement cost UK is approximately £5500. It’s similar to a standard home insurance policy so will ensure you are covered against theft, floods, storms and accidental damage. Keep an eye out - pay close attention to your roof before and after winter, Allow it to dry well – to give it the best possible chance to dry out remove any nearby trees and plants that might block sunlight, Grants – you may be eligible for a grant from the council to have your roof re-thatched. Damage – If your thatched roof property is damaged you will most likely need to find someone with the right expertise to fix the damage to the roof in the original method it was built and using specialist material. However these costs depend on a number of important factors: Structural repairs to the roof. * 51% of consumers could save £283.97 on their car insurance. Fire brigade charges up to €2,000 as a result of an insured loss. © Moneyexpert.com 2020. Depending on the details and finishing, you will pay £60 – £85 per m² on average. Use a fire-retardant spray on your roof or have a fire-resistant barrier such as an aluminium foil barrier installed under the thatch. It’s a good idea to get your home professionally surveyed so you’re able to quote the rebuild cost to insurance providers and get the appropriate level of cover. Are thatched roofs more expensive to insure? Insurance offers a financial security net in the event of a natural disaster, accidental damage and is a must-have for all thatched homes. As the average cottage has a roof area of around 12 squares, owners should should estimate a replacement cost ranging from £10,000 to £14,000. 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