Pricing thatching costs, Thatchers usually work on “square” 1- feet by 10 (100 square feet). Fire can easily spread so the damage risk is increased and can be more detrimental, thus increasing your premium. © Moneyexpert.com 2020. ME Expert Limited is authorised and regulated by the Financial Conduct Authority FRN 917459. ME Expert Limited, registered in England. Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. It must be appropriate and have the correct rebuild cost included. Registered Number 10120411. 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. Often seen in the countryside, it’s no longer a very common way to roof your house. If it’s not already included, you can usually add extra elements of cover on to your policy, such as legal expenses cover and accidental damage. Insurers will often cover roofs made of reed, water straw and straw. Specialist protection & expert advice for your thatched property Join 1,000s of character homeowners who choose our experience and award winning insurers to protect their thatched property. Affordable Thatched Roof Insurance with Quoteline Direct. The older the building the more likely it is to be listed. We compare markets from, Metro Bank Sells A Third of Its Mortgage Book to NatWest, Natural Disasters Cost Insurance Industry Big in 2020, How to save over £750 on your energy bills, Reducing the cost of your thatched roof house insurance premium, Barclays Fined £26m for Failing Customers in Financial Difficulty, HSBC Borrowers in Debt to Receive Compensation for Poor Service. Only 1 in 25,000 homes in the UK are thatched. What is thatch made of? 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. Be aware of what is and what is not covered and if in doubt ask the question before taking out the insurance. Although aesthetically very pleasing it’s quite an expensive way to roof your home. Furthermore, insurance companies are highly wary of thatched roofs due to potentially high maintenance and repair costs. Thatched Property Insurance. Buildings insurance covers the structure and all permanent fixtures and fittings of your home. 5799376). Replacing a typical thatch roof costs on average £10 per square foot or about £100 per square metre. However these costs depend on a number of important factors: Structural repairs to the roof. It’s always good to find out from your neighbours who they used (if they have a thatched roof too). We will always strive to find a thatched property insurance solution for you, even in cases where different materials have been combined to differing depths. This is a very old and specialist skill that you want done properly. 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). Specialist thatched roof insurance does not have to mean unaffordable premiums. Here are a few things you can do to get your thatched roof insurance cheaper: Install fire alarms throughout your property to alert you to a fire, Install a fire-resistant barrier underneath the thatch, Cover your thatch in a fire-retardant spray, Get thatch insurance quotes here at GoCompare, Compare thatch roof insurance to get the right cover for your thatched property. A listed building is a building of architectural and historical interest that is protected from certain changes to its interior and exterior. Electrics - get a survey of your electrics to check for any dodgy wiring, it’s advisable to have an inspection every 5 to 7 years. Every thatched roof insurance quote will receive the attentions of a specialist. Thatched roof insurance surveys are carried out to get a detailed inspection of the condition of a thatched property. * 51% of consumers could save £283.97 on their car insurance. In the UK, there are three main materials used in the construction of a thatched roof: water reed, combed wheat reed and long straw. There is also buildings insurance to consider. Owning a listed building will likely increase your home insurance premium as there are certain rules and regulations when conducting any building work. Thatched roof properties are at a greater risk of fire so in general the cost of building and contents insurance will cost more. If you want a special roof with many details (such as dormers), the cost will increase. 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. All our thatched house insurance policies are backed by triple-A rated insurance companies, giving you real peace of mind when it matters most. Specialist providers have the extra knowledge and experience to provide the right kind of cover at a reasonable cost. You can get buildings insurance and contents cover as a combined home insurance policy. Yes. 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. Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Thatchers work on “square” 10 feet by 10 ( 100 square feet). Gocompare.com Limited is registered in England and Wales (Company No. It is important to get a thatched roof insurance survey carried out to ensure there are no hidden costs or anything underlying such as needing wooden roof repairs. They could potentially offer you a cheaper home insurance policy and can give you expert knowledge. This will increase your insurance premium. How much does a thatched roof cost? Your buildings, contents or combined policy will cover your thatched home and/or belongings for fire, storm and flood damage and theft. Thatched roof property owners usually underestimate the rebuild costs involved. It’s similar to a standard home insurance policy so will ensure you are covered against theft, floods, storms and accidental damage. Thatched roofs need re-ridging every 8 to 10 years, and your insurer will want to know that your roof is in a good state of repair to avoid related problems. Therefore, it is vital to seek professional advice from a specialist insurance company. Trace and Access up to €1,000. This highlights the main difference between the two and the reason it needs a specialist policy. Listed buildings – Thatched roof properties are often listed buildings. 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 … Clean the chimney - if you have a chimney get it cleaned regularly, at least twice a year. Fire brigade charges up to €2,000 as a result of an insured loss. GoCompare uses cookies. Roof Replacement Cost UK. Make sure you're properly covered. A: Yes – there’s no getting away from it, insuring your thatched property may cost around a third more than a modern tiled house. It will let you know whether there are any structural problems with the building or roof, whether any major repairs are needed, and it will give you an expert opinion on the property. Roof size, roof shape and design, materials used, height of the house, old roof cleaning, wood conditions, thickness of thatch, and cost required. Request my quote › or Call 01823 250702 / 0800 387396 Thatched roof insurance can be more expensive due to the increased possibility of damage that having a thatched roof brings. The saving was calculated by comparing the cheapest price found with the average of the next 4 cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website, based on August 2020 data. Your thatch roof life span will be affected by natural degradation and can last anything from 20-50 years. The cost of a thatched roof property will depend on a few key factors. Thatched Roof Cost? The average roof is around 6 – 12 square although some properties are 4 square and some 80 square. It requires special material, expert knowledge and skills to maintain and repair. Rebuilding a thatched roof property also costs more compared to a regular home with a slate roof since thatching is a highly specialised skill … If you had to make a claim, you’d also need to find a specialist to make repairs to your roof, which could be costly. Continued use of this website assumes your acceptance of this policy. There can be few homes as beautiful or as quintessentially British as one with a thatched roof… but unfortunately they can also cost considerably more to insure because they are classed as ‘non-standard’. The total thatched roof cost a customer bears does not necessarily stop at the job itself. But there are maintenance work and repairs you can make to increase the life of your thatched roof. 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. If you own a Thatched Property you would have encountered a problem finding Insurance at a reasonable cost. 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. Most homeowners in the UK spend between £2200 and £7200 on replacing the roof. This will probably come to less than £1000 a year. Size and materials do affect a roof life expectancy, however, excellent craftsmanship is key to ensuring that your roof lasts as long as possible. As this is a specialist insurance policy, not all insurers will provide thatched roof home insurance and those providers that do insure thatched roof properties will most likely charge a higher premium. Data Protection Licence Number ZA247205. Compare home insurance policies for a house with a thatched roof. You might also have slightly higher home insurance premiums because of the fire risk. Yes. 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. The thatching cost usually is based on the area of roof to be thatched. How we will help insure your thatched building • We’ll help pin down the best cover for your needs, at the lowest cost, and help you figure out the right sums to insure your home and contents for Thatching is the oldest type of roofing in the UK and has been used for centuries. 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. A thatched roof (as opposed to tile, slate, concrete, asbestos, metal or zinc roofs, which are deemed to be standard) is regarded as a non-standard construction by insurers, and this will be taken into account when determining your home insurance cover and premium. Firstly, it is very important that you have buildings insurance on your thatched property. As experienced Brokers of high to mid net worth homes, who specialise in non-standard build insurance, including thatched roof insurance, at Highworth Insurance we are not daunted by high rebuild costs. The cost of a roof replacement will depend on the size of the roof and the location of the property. Of course, thatched roof insurance will be more expensive. Insurers see this as a high risk type of property to insure due to it being qualified as a non-standard type of home and what they observe as an increased fire hazard. Compare policies now. Thatched houses are built in a specialist way using unique skills and materials so the insurance can often be more expensive. If you would like more information please see our, We are Money Expert, the experts with your finance. The scientific term for insulating properties is “thermal conductance,” known as the U value. Each risk will be individually calculated by our expert staff. Use a fire-retardant spray on your roof or have a fire-resistant barrier such as an aluminium foil barrier installed under the thatch. 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. Thatched roofs are getting renewed attention in the UK, thanks in part to their eco-credentials. 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. In the first place, the price depends on the surface of the roof. Thatched roof property insurance is a specialist type of home insurance for properties with a complete or partial thatched roof. To ensure you have the best insurance for your unique home, using specialist insurance is a good idea. By using the website you agree with our use of cookies. Fire prevention - take extra precaution and have several fire alarms installed throughout your house. Insurance offers a financial security net in the event of a natural disaster, accidental damage and is a must-have for all thatched homes. Fire – A large concern for insurers is the damage fire can do to a thatched roof property. Mr New said: "Check the roof every two or three years. It is not wise to go through the trouble and expense of installing a thatched roof if a property owner is not willing to have buildings insurance in place. The Contents (section 2 of the policy) also includes cover for: Personal money and Credit Cards – up to €350. If your home’s less of a fire risk, it could save you money on your insurance. Gocompare.com Ltd. All Rights Reserved. A water reed thatched roof, 12 inches thick at a pitch angle of 45 degrees meets the most modern insulation standards. It’s common for thatched properties to be listed, so you should be able to get a listed property insurance quote for your thatched property. It is still possible to find affordable cover, but expect to pay more. This, in turn, can make it a more complicated type of property to insure and more expensive too. As with the cost of a thatched roof, the lifespan of a thatched roof can depend on a variety of factors. You may check this on the Financial Services Register by visiting the FCA website. The materials used to make thatched roofs are more expensive than those used on standard 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. Compare travel insurance with medical conditions, Compare public liability insurance quotes, Compare insurance quotes for properties with thatched roofs. 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. 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. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier. Are thatched roofs expensive to insure? Your thatched cottage could also be a listed building which means strict rules could restrict repairs or construction. Thatched roof insurance is home insurance specifically for properties with completely thatched or a part thatched roof. You should also shop around and find more than one quote as prices will vary. A roof replacement cost UK is approximately £5500. 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 House Insurance . Thatch is not exactly a new material, having been around for about 10,000 years. The U-value of a properly thatched roof is 0.35, which is equivalent to 4 inches of fibreglass insulation between the joists. On average, a thatched roof will last between 25 and 40 years . Thatched houses are built in a specialist way using unique skills and materials so the insurance can often be more expensive. Depending on the details and finishing, you will pay £60 – £85 per m² on average. Contents insurance includes your belongings that are kept in your home and possible those in your garden, shed and outbuildings, depending on the policy. In total, the cost of replacing a thatched roof can vary somewhere between £15,000 and £30,000, with the many variables mentioned above having an impact on the final amount you will pay. This will increase your insurance premium. These are the Factors that can Increase new Roof … Please note that our sales staff are insurance experts not just button pushers and along with our tailor made schemes for thatched properties, we believe we offer the best quotation service around. Home insurance for non-standard construction. This website uses cookies to provide its service as intended. Some district councils have programs to protect listed buildings. Deeds, prize bonds, registered bonds and other personal documents – up to €750. Are thatched roofs more expensive to insure? Last updated: 01 December 2020 How to insure your thatched property with thatched house insurance Many insurers do not cover thatched roof properties because they can be very expensive to repair, and are more likely to suffer extensive damage in the event of a fire. Using these defence mechanisms may also be a requirement for some insurers. It’s always best to research and shop around to compare home insurance quotes and find a policy that suits your needs and is affordable. Thatched roof property insurance is a specialist type of home insurance for properties with a complete or partial thatched roof. For more information about thatched roofs and how they should be maintained, take a look at the Thatching Advisory Services website. And that's why we love insuring them. Yes, but you’ll need to take out unoccupied property insurance to get the cover you need. 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