Guidance on insuring a Thatched Property
Prestige Underwriting, a leading specialist in non-standard insurance for thatched properties, provides insights into the growing popularity of thatched homes in the UK and the important considerations for owners and prospective buyers.
The rate of new residential addresses per population in rural areas has doubled compared to urban areas, according to a recent update¹ from the Department for Environment, Food & Rural Affairs in its Housing Statistics for Rural England.
The trend towards rural living was accelerated by the COVID-19 pandemic and continues to grow. As a result, and with the development of environmentally safe fire-retardant treatments for thatched roofs, more homebuyers are being attracted to the charm and historical significance of thatched properties. These quintessentially English homes, with their distinctive roofs and timeless appeal, offer a living link to our past. However, as desirable as they are, thatched homes present unique challenges—particularly when it comes to securing appropriate insurance.
Preservation and proneness to fire
While there are approximately 60,000 thatched properties in the UK, their preservation requires careful consideration. The risks associated with thatched roofs differ significantly from those of conventional properties. Contrary to common misconceptions, thatched homes are not inherently more prone to fires. However, when fires do occur, they tend to be more devastating, making it crucial for homeowners to understand and mitigate these risks.
One of the primary concerns for insurers is the height of the chimney relative to the roof ridge. A chimney height of at least 1.8 metres is recommended to ensure that any embers are dispersed away from the thatch, reducing the risk of ignition. Regular chimney maintenance, including bi-annual cleaning and inspections by registered engineers, is also essential.
Upkeep
In addition to fire prevention, the upkeep of the thatch itself is vital. Regular inspections by qualified thatchers, maintaining a dry roof, and protecting it from damage are all necessary steps. Homeowners are also advised to avoid spark arrestors, which can become clogged and restrict the flow of gases, increasing fire risk.
Chris Duck, Head of Property Underwriting at Prestige Underwriting said:
“Owning a thatched home is a commitment to preserving a piece of British history. With the right insurance cover, tailored to address the specific risks of these properties, homeowners can enjoy their idyllic dwellings with peace of mind.
“In an era where modernisation often overshadows tradition, thatched homes stand as a testament to the enduring charm of the British countryside. By taking proactive steps to manage the risks, these homes can continue to be cherished and protected for future generations.”
Top 5 Insurance Tips for thatched homes, by Prestige Underwriting:
1. Maintain Your Chimney: Chimneys are a common cause of fires in thatched properties. Ensure your chimney extends at least 1.8 metres above the ridge to help disperse embers safely. Regular chimney inspections and bi-annual cleanings by a registered chimney engineer are essential to reduce the risk of fire.
2. Be Cautious with Woodburning Stoves: Woodburning stoves can increase the risk of fire in thatched properties. Always seek professional advice before installation and ensure it's done by a reputable supplier. Avoid using spark arrestors, as they can clog and restrict the flow of combustion gases.
3. Regular Electrical Inspections: To prevent electrical fires, have the electrics in your property inspected by a qualified electrician at least every 5 years. Identifying and fixing any potential issues early can save significant costs and risks in the long run.
4. Thatch Roof Maintenance: Proper maintenance can extend the life of your thatch roof. Arrange an inspection by a qualified thatcher every 10 years and ensure the roof remains dry by trimming back trees and plants that may block sunlight or rain dispersal. Installing wire netting can also help prevent birds from pulling out the thatch for nesting.
5. Ensure Proper Coverage: Not all insurance policies cover thatched properties due to their unique risks. Make sure your insurance policy is tailored to your specific needs as a thatched homeowner.