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We are able to provide flexible cover to cater for the unique challenges that can come from such a wide variety of different organisations. Through many years’ involvement in the education sector, we understand the unique insurance needs of our clients, the pressure on budgets and the need to deliver real value for every penny spent.
With some local authorities being reportedly more likely to grant permission for new thatched houses to be built, some homebuyers are now getting the best of both worlds. They're having a home designed for modern living, with the quaint village look of a thatched roof. So if you're planning to buy a thatched home, or you already have one, then you should learn more about thatched house insurance. The planning and rebuilding of a thatch property is a more complicated and drawn out process compared with the rebuild of a standard house. This process is also inevitably going to be stressful so the last thing you want to worry about is the cost of your alternative accommodation. Before you arrange your insurance, check how much your insurer will pay for this type of cover and for how long.
How to reduce fire risk to your thatched house
These thatchers are experts and charge more than regular builders for their specialised knowledge. Because of this and a few other reasons, you can expect to pay what some would consider an expensive premium. Your thatch roof life span will be affected by natural degradation and can last anything from years. But there are maintenance work and repairs you can make to increase the life of your thatched roof. We know that these unique properties require a tailored made policy that is designed especially for thatched properties unlike many companies who exclude this type of construction. Thatched home policies contain more policy conditions than standard home policies.
Continuum is a driver risk management platform where you can easily and quickly manage your entire driving community, ensuring real-time compliance with HSE legislation. Risk Manager is our web-based health and safety management system for performance reporting and task management with SME and corporate versions available. We place much importance on understanding the risks faced by our clients as this enables us to tailor insurance products to meet with the variety of risks and requirements that clients may have. Our knowledge from working with manufacturers puts us in a great position to understanding the important factors when creating comprehensive insurance solutions. We provide haulage and Heavy Goods Vehicle insurance cover for a variety of transport companies.
Does thatched roof insurance cost more?
Thatched property insurance is a form of non standard house insurance and falls into the same category as for example a listed building or a building located in a flood risk region of the UK. Although a fire is no more likely to start in a thatched house than a regular house, the materials used in thatched roofs can cause a fire to spread more quickly and cause more damage. This means the risk is far greater and repair costs will be much higher. Due to the age of many thatched roofs, their potential maintenance costs, and the links to fire risks, some insurance companies charge a higher premium to cover them. They may also charge an expensive excess fee for home repairs, including the roof, of which maintenance work is inevitable on thatched homes. Read on to find out more about thatched house insurance, and how you can minimise damage to your thatched roof, and make sure you have appropriate insurance for thatched cottages.
Or you can fill in the simple form below and we’ll come back with a quote, usually within 24 hours. If you’re considering buying a house with a thatch roof, thatched home insurance is our speciality and we’re always delighted to answer questions. All insurance policies differ, and insurers will charge varying amounts but there are things you can do to reduce your premium .
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However, not all policies are the same or equal, therefore, you should read all offers of insurance carefully. In short, we can insure any type of thatch property and deliver a bespoke policy to meet your needs. Buildings insurance covers the structure and all permanent fixtures and fittings of your home.
If a previous owner altered your building without the consent or knowledge of the local authority, you could be forced to return your property to its original state. This is providing that you have made reasonable enquiries about any previous alterations. A good policy will reimburse you for the cost restoring your property to its pre-alteration state. Thatched roofs have an entire profession dedicated to their construction and maintenance.
From risk management advice to support when making a claim, our thatch insurance experts help you through the whole process so you can spend more time doing what matters to you. Listed buildings – Thatched roof properties are often listed buildings. A listed building is a building of architectural and historical interest that is protected from certain changes to its interior and exterior. Owning a listed building will likely increase your home insurance premium as there are certain rules and regulations when conducting any building work. If you own a property which insurers consider to have a non-standard feature, you may require a specialist home insurance policy that is not always available from traditional home insurance providers.
Our competitive buildings and contents insurance policies are available separately or together. Thatched housing was once a symbol of poor communities in the British countryside, as the materials used in creating the signature roofs were so readily available. The result gave buildings a lighter roof that could be held up with lesstimberthan other types of house, and thus were built at a cheaper cost.
Our Benchmark Review service is a health-check where we’ll identify key issues and provide you with a tailored risk management plan to address. We offer two building insurance rebuild valuation services to support your asset management and ensure they are valued correctly. Our risk management solutions at Aston Lark help you identify, manage and reduce your risks, ensuring that your business continues to run in a balanced and cost-effective way.
High value motor insurance policies are available from our experienced team, ideally suited to individual vehicles or collections. Before you fit solar panels to your home, whether on the roof or in the garden, you should check with your home insurer that they’re covered. If your home has flooded in the past or is in a flood risk area, you may need to enquire about specialist flood insurance to cover your property. Renovation Plan is a specialist insurance product for all types of properties undergoing construction, renovation or conversion. Meet the team at Aston Lark who take care of your employee benefits packages.
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