If you have taken a calming drive along a country road, you must have noticed those beautiful houses covered with thatched roofs. Those homes are actually lovely but, you are possibly unaware that the property owners of those properties have a difficult time getting an insurance for their homes. Perhaps you are wondering why they would meet such complexity when it is just a roof although it is prettier than the typical design. But then again, you should know that it is that very roof that is making the property owners have a tough time finding an insurance company that should cover the type of roof that they have.
As you can see, thatched roofs are vulnerable to flames and they can easily go up in flames. That means placing yourself at risk of losing your thatched room or even your entire house. It’s a heartbreaking state of events but you better believe that those houses have definitely gone into flames in several occasions.
It is for this very reason that some standard insurance providers flat out refuse to give thatched house insurance to the owners of these charming houses. Obviously, insurance companies refuse to provide insurance for such houses because of their propensity to burn easily and this could mean the company would lose money.
It sounds a bit unkind but you must trust that that is how it works in the world of insurance providers. But, things are not that hopeless for those who own thatched roofed houses. There are still some companies out there that will give the insurance but of course, they will have to assess the property out and do various tests before they offer the thatched house insurance to then property owners. The insurance company will visit your home and give you a quote together with the right plan appropriate for your home’s requirement.
They may also insist that you install some fire alarms or have the ones that are previously mounted checked.
They will also assess your electrical wirings to make certain that everything is in its proper condition or there are no exposed wires which can start off a fire. These essential precautionary measures will work to your benefit because the truth of the matter is, no one wants to burn their house down even though they have an existing insurance.