![]() It also means more damage will be done to the house in a shorter space of time. But whether or not this is true, it’s because of the materials used to thatch a roof that means a fire will spread more quickly. ![]() However, some argue that a fire is no more likely to start in a thatched property that in a regular tiled or slate property. Once a fire has taken hold in a thatched roof it spreads very fast. This fire risk comes from lightning strikes, stray sparks from chimneys, electrical faults inside the house and sparks from garden bonfires. Thatched roofs are a much greater fire risk as a result of the material they are made from. A leaking roof that’s badly maintained will not be covered by insurance. Which is no different to any other roof in a poor state of repair, which can also leak water. However, this is only if the thatch is in a good state of repair. But on the whole a thatched roof is great at keeping water out. If you’re thinking about buying a house with a thatched roof, it’s important to understand that in very heavy rain storms a thatched roof can leak water. But a thatched cottage will also be cool in the summer too. This means that a house with a thatched roof will be warm in the winter and will help keep fuel bills to a minimum. The thick layer of natural straw or reed on a thatched roof house provides excellent insulation. This results in a higher rebuild cost, which as a consequence increases the cost of insuring the property. This is for the reason they are often built using specialist materials and may require builders with specialist skills and knowledge. ![]() Listed buildings on their own are also more expensive to insure. Insurance on houses with thatched roofs is also more expensive because the rebuild cost is higher than conventional construction houses, as they are built using specialist materials.Īlso, most thatched roof properties are listed buildings. Are thatched houses more expensive to insure?Ī thatched roof house is a greater fire risk so expect to pay up to three-times more for buildings and contents insurance. This may mean the interest rate you pay on a mortgage arranged on a thatched property is slightly higher than on a standard construction roof. Properties with non-standard construction have fewer mortgage lenders willing to offer mortgages. This is because houses with thatched roofs are deemed “ non-standard” construction. You can get a mortgage on a house with a thatched roof, but they are more difficult to arrange. This is because it gets the least amount of sun and will remain damp for longer after it rains.Ĭan you get a mortgage on a thatched cottage? * The build up of moss and algae is more noticeable on the north facing side of the roof.
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