Thatched Roof Insurance

Your insurer might request regular roof inspection reports. At a minimum, most want a professional inspection to be carried out every 10 years. Recommendations and repairs must be carried out promptly. 

Most insurers require a certificate from a qualified chimney sweeper once a year. In some cases, more frequently. This is especially important if you use fireplaces or stoves. 

To reduce fire risks, electrical systems in your building must be checked professionally every five years.

You could be required to have smoke alarms and fire extinguishers in your home. Most insurers want at least two fire extinguishers and a fire blanket in the kitchen. You may also be required to use a specific fire retardant on your roof, and no naked flames may be allowed in lofts or roof spaces. 

If you have a wood-burning stove or multi-fuel burner, there may be additional requirements. This could include a specific survey or professional installation. The chimney may need a liner and extend a certain distance above the roof, often 1.8 meters. 

There may be rules regarding the minimum distance that a barbecue or open fire must be from the thatch building.

You’ll be expected to maintain your thatch properly. This includes removing discolouration, rot, or pests when they appear. Not only will this keep your thatch looking great, but you’ll also ensure that your claims are accepted.