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Thatched Roof Insurance Explained

Why do I need specialist thatch roof insurance? What are the extra risks of a thatched roof and what should I know before I buy? Get to grips with the most important insurance policy you might have with our thatched insurance guide.

traditional thatched roof thatcher

What is thatched roof insurance?

Thatched roof insurance is a specialist insurance policy designed for properties with a complete or partial thatched home. The policy will also cover the entire property so you don’t need a separate policy for that.

What’s wrong with just having standard home insurance?

A thatched roof building faces a higher risk of fire than a standard tile roof. This highlights the main difference between the two and the reason it needs a specialist policy. There is usually a different set of exclusions that go along with a thatched policy too, this is because the extra fire risk means insurers require you to have fire precautions and agree to keep the roof maintained to a minimum standard.

What are the requirements?

  • The thatched roof must have been inspected by a thatcher within the last 10 years

Thatch Types

You will need to inform the insurer at the quote stage which of the following your property has.

  • Water Reed

  • Devon Reed

  • Combed Wheat

  • Norfolk Reed

  • Long Straw

  • The electrics in the property must have been inspected within the last 10 years.

  • Chimneys must be swept annually

  • No naked flames or tools producing flames be present in the attic or loft space

  • Two fire extinguishers must be fitted inside the property

  • Roof must be treated with fire retardant

Property Types

A thatched roof policy will still cover the rest of your home in just the same way as any normal home insurance policy. Even if there are other non-standard features to your property such as:

  • Listed property

  • Let property

  • Unoccupied

  • Holiday Home

  • Second Home

What must I know to get a quote?

You will need to know answers the some or all of the following for a broker or insurer to be able to offer a quote.

  • The thatch depth - Is it less than a metre, between 1 and 2 or more than 2?

  • The type of thatch material

  • The height of chimney above the ridge - Less than or more than 1.8 metre

  • The distance from nearest fire station

  • Whether the property has open fires - It is possible to insure for a property with open fires but if you don't use the fire place you can have a 'solid fuel warranty. This states that no solid fuel is burnt on the property.

Related policies

Standard home insurance

Listed home insurance

Unoccupied home insurance

Download the PDF version of this guide here

This is a marketing article by Towergate Insurance.

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