thatched roof home

Home Insurance and Thatched Roofs

by Redeeming Riches on January 24, 2012

A cosy country cottage with a thatched roof is a very appealing buy if you’re looking for a rural home. Before you fall in love with one, it’s wise to think about how to maintain and insure such a special house.

Fortunately, some specialist Home Insurance policies do cover unusual properties such as those with timber frames or thatched roofs. So if you’re thinking about buying one, get a Home Insurance quote and see how it compares to a house with a more conventional roof.

A good thatched roof can last for years, and won’t necessarily require a lot of maintenance. If you’re looking at a house with a thatched roof, try to get a good idea of its condition from a professional before you put in an offer on it. A neat thatch isn’t necessarily a good one, and even if it looks a bit of a mess it could be repaired rather than re-thatched. Call in an expert, who can assess how much repairs will cost and how long they’ll take.

Once you’re the proud owner of a thatched roof, you’ll need to take care of it. Not only will TV aerials and satellite dishes look out of place, but they might also damage the delicate roof.

thatched roofs

Don’t try and fix problems yourself, and don’t let anyone who’s not experienced in caring for thatched roofs walk on it or try to do repairs.

Thatched roofs used to have a reputation as a fire risk, and to minimise this you’ll need to take the usual precautions that you would in any house to prevent fires. Your local fire brigade will be able to give you advice on this.

It’s worth remembering, though, that you shouldn’t build chimneys that will pass close to the thatch without taking expert advice. Any chimneys must be kept in good condition – check if they need repairing or repointing. If you’re using a blow torch to burn paint off windows or woodwork, don’t let it go anywhere near your roof. Look into the possibility of laying a fire retardant covering beneath the thatch.

As with any house, don’t light a barbecue or have a bonfire to close to your property, and encourage your neighbours to follow suit.

Invest in smoke alarms, and make sure you fit them in the roof space as fires can burn slowly and might not become obvious for a few hours. Think of your smoke alarm like an early warning system, and make sure it’s tested frequently.

photo by elle brown

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