4 Reasons Thatched Buildings Need Specialist Insurance
While thatched properties are certainly beautiful and historic, there’s no denying they also need special care and attention—especially when it comes to insurance. And unfortunately, there’s no one-size-fits-all approach to thatched building insurance.
Due to their distinctive features and unique risks, these types of property are often termed as a non-standard construction. This means a standard house insurance policy usually won’t provide adequate protection. Instead, as a thatch property owner, you’re likely to need to take out specialist coverage.
So, why do thatched buildings require specialist thatch insurance? Here are four key reasons.
1. Increased Risk of Fire Damage
Thatched roofs boast a number of benefits – they’re durable, highly insulating, and are aesthetically charming – but they also pose a higher risk of fire compared to traditional roofs. Fire can spread rapidly through a thatched roof, leading to significant damage.
A thatch insurance specialist will ensure a property is protected against this heightened risk, offering tailored coverage to give you peace of mind.
At Higos, our bespoke thatch building insurance can include preventative measures. For example, one of our policies includes a fully funded chimney survey and fire risk assessment if you use a solid fuel stove. These proactive steps help mitigate the risks associated with your thatched roof.
2. More Expensive to Replace Should You Need to Make a Claim
If your thatched roof is damaged beyond repair, the cost of replacing it can be substantial—and even routine maintenance and repairs can be expensive. Specialist materials, traditional techniques, and the expertise of master thatchers are all factors that contribute to these higher costs.
Standard home insurance policies will generally fall short in covering these expenses. That’s why specialist thatch insurance is essential to safeguard your property and ensure you’re fully covered in the event of a claim.
3. Aligned with the Cost of the Property
Not only can repairs and replacements be costly, but thatched properties themselves also often have a higher value than regular homes. This is thanks in no small part to their distinct charm, historical significance, and unique construction. As a result, their insurance must align with the overall value of the property.
At Higos, we provide specialist thatched building insurance that reflects the true value of your home. Whether you own a modern thatched cottage or a listed historic property, we tailor our policies from the ground up to suit your individual needs.
4. Limited Availability of Master Thatchers in the UK
There are only around 800 master thatchers in the UK, and their time, skill, and labour come at a premium. Thatched roofs rely on craftsmanship that has been passed down for generations, making their services rare—especially in comparison to those of a standard roofer.
Our specialist team at Higos understands the intricacies of non-standard construction house insurance and can ensure your policy covers the cost of hiring these skilled professionals when needed.
Why Choose Higos for Specialist Thatch Insurance?
While taking out specialist cover can be daunting, we at Higos understand that finding the right building insurance for thatched properties doesn’t have to break the bank. We have access to specialist thatch insurance markets, as well having our own thatched property scheme with a leading UK thatch insurer which can offer the following:
- Fully funded chimney survey for solid fuel stoves
- A fire risk assessment if your chimney is used by solid fuel stoves
- Cover for fire, storm, and accidental damage
- Policies designed around the unique needs of thatched properties
As a thatch insurance specialist, we take the time to understand your property and find the right protection for you.
Are you ready to find the right cover for your thatched property? Contact us today on 01458 675522 to learn more about our personal and commercial insurance services, or browse all our thatch insurance FAQs online for more information.