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That is a simple fact that comes down to a few key factors that make thatch roof houses more likely to incur a loss or for that loss to cost a bit more. Some but not all factors at play are the flammable materials, expensive labour costs and the requirement of extensive maintenance. You can get a thatched roof insured, even today, although it's not as easy to get a thatched roof insured than it is a standard roof. This is due to the lack of modern knowledge and shift in preferences that has left the underwriting of thatch to be a niche only exercised by a few specialist insurers. These insurers, although not common, are not too hard to find; you may have to look online as opposed to using your local insurance provider or broker.
Aston Lark has a wealth of experience in arranging insurance programmes for property owners, developers and investors. We have strong relationships with managing agents enabling us to provide our clients with an unrivalled level of service and advice. Aston Lark provides insurance solutions especially designed for professional hire fleet operators, combined with friendly support and expertise. Specifications of the thatch can be altered to suit your needs, such as thicker layers of thatch for more warmth and longer durability. And if you appreciate the quiet life, then you’re likely to enjoy a thatched roof’s ability to muffle the noise of the outside world better than concrete or slate can. We offer a non-advised service which means that we source and arrange the product but do not offer advice or make any recommendations when arranging your insurance.
Thatched Home Insurance Companies
Whether you’re early in your career or a more experienced insurance professional, Aston Lark offers a great opportunity to develop your career. Whether is it a single electric supercar insurance policy you are looking for or a personal collection of supercars under one policy, we can help. Finding the optimum balance between cover and price for your Jaguar can be difficult. We have the ability and knowledge to find a Jaguar Insurance policy that suits you. As one of the most luxury car manufacturers, we have a knowledgeable team to offer advice and guidance to find you the right Bentley Insurance cover.
At Aston Lark, our personal insurance team is entirely focused on people whose properties, possessions and assets fall outside the ordinary. To support your journey to workplace wellbeing each quarter, we will provide you and your employees with a Journey To Wellness roadmap. A relevant life plan helps make sure their dependents will be looked after in the event of their death, helping your team run your business with peace of mind. Help your employees understand their benefits with Aston Lark’s group sessions and one-to-ones. At Aston Lark, we will search the market to find a fitting provider and relieve you of the administrative burdens of running your employee benefits scheme.
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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. 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. But you won't be covered for things like accidental loss such as leaving a laptop on a train or accidental damage, such as spilling wine on your carpet or drilling through a pipe.
Our Employee Benefits Glossary is an overview of some of the main employee benefits we offer at Aston Lark as well as commonly used terms. A flexible employee benefits package shows that you recognise that different employees will have different needs, across a range of life stages. Aston Lark’s Employee Assistance Programme gives your employees support for personal and work-related issues, 24/7. At Aston Lark we can help you take care of your employees wellbeing which will also protect the heart of your business. Aston Lark’s Business Protection Insurance protects your business against the sudden loss of a key figure or shareholder.
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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.
Electric cars are the future, so don’t get stuck in the past when finding the right insurer. At Aston Lark, we understand how valuable your classic car is and we share that passion. We pride ourselves in being customer focused and will always strive to find you the cover you need. If your home has a history of movement or is known to have subsidence then you need subsidence insurance. Finding insurance for a home that’s unusual, unique or quirky can be difficult.
If the property was built before 2009 we can insure it for flooding through the Government and ABI backed Flood Re scheme. Additionally, renovations, prior subsidence and unoccupied thatch properties can be insured. Another key point is all thatch owners must provide a thatch inspection report within the last 10-years and a satisfactory electrical inspection report within the last five years.
Therefore, you must speak to an expert in Thatched Home Insurance and at this point The Home Insurer can help. Our thatched property insurance policies are built around you and your home. The materials used to make thatched roofs are more expensive than those used on standard homes.
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.
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.
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