On average, a thatched roof will last between 25 and 40 years . Fire prevention - take extra precaution and have several fire alarms installed throughout your house. There is also buildings insurance to consider. Specialist providers have the extra knowledge and experience to provide the right kind of cover at a reasonable cost. 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. To ensure you have the best insurance for your unique home, using specialist insurance is a good idea. Gocompare.com Ltd. All Rights Reserved. Firstly, it is very important that you have buildings insurance on your thatched property. A water reed thatched roof, 12 inches thick at a pitch angle of 45 degrees meets the most modern insulation standards. Your thatched cottage could also be a listed building which means strict rules could restrict repairs or construction. Thatched roof home insurance is a product that specifically covers the unique risks that go along with living in a thatched cottage – including increased danger of fire, and the special skills it … Some district councils have programs to protect listed buildings. © Moneyexpert.com 2020. 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. Specialist thatched roof insurance does not have to mean unaffordable premiums. You can get buildings insurance and contents cover as a combined home insurance policy. Fire brigade charges up to €2,000 as a result of an insured loss. 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. 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’. You should also shop around and find more than one quote as prices will vary. Your buildings, contents or combined policy will cover your thatched home and/or belongings for fire, storm and flood damage and theft. If you want a special roof with many details (such as dormers), the cost will increase. Thatchers work on “square” 10 feet by 10 ( 100 square feet). 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 cost of a thatched roof property will depend on a few key factors. A thatched roof building faces a higher risk of fire than a standard tile roof. Fire can easily spread so the damage risk is increased and can be more detrimental, thus increasing your premium. Most homeowners in the UK spend between £2200 and £7200 on replacing the roof. And that's why we love insuring them. It’s always good to find out from your neighbours who they used (if they have a thatched roof too). Of course, thatched roof insurance will be more expensive. Deeds, prize bonds, registered bonds and other personal documents – up to €750. Only 1 in 25,000 homes in the UK are thatched. 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. The U-value of a properly thatched roof is 0.35, which is equivalent to 4 inches of fibreglass insulation between the joists. Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Thatched houses are built in a specialist way using unique skills and materials so the insurance can often be more expensive. The total thatched roof cost a customer bears does not necessarily stop at the job itself. These are the Factors that can Increase new Roof … Affordable Thatched Roof Insurance with Quoteline Direct. Every thatched roof insurance quote will receive the attentions of a specialist. 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. Home insurance for non-standard construction. 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. It requires special material, expert knowledge and skills to maintain and repair. Pricing thatching costs, Thatchers usually work on “square” 1- feet by 10 (100 square feet). The older the building the more likely it is to be listed. 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. Rebuilding a thatched roof property also costs more compared to a regular home with a slate roof since thatching is a highly specialised skill … The average roof is around 6 – 12 square although some properties are 4 square and some 80 square. Thatched roof insurance surveys are carried out to get a detailed inspection of the condition of a thatched property. 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