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Non Standard House Insurance - Wooden Built House Insurance -

Timber Framed House Insurance - Flat Roof House Insurance -        

Specialists Non Standard House Insurance

Non Standard House Insurance covers a wide range of differences between Standard Brick Built Houses with a Tiled Roof and those of Wooden Built or Timber Framed.

Insurance for Prefabricated Built Houses or Flat Roof Houses are particularly difficult to Insure through main Insurers. There are also some early 1900's Wood and Asbestos Built Bungalows with rough cast external walls still being lived in. These types of properties are a real no no with a lot of Insurers. We at Crown Insurance have facilities in which to place Insurance for these types of Homes and many other Non Standard Built Houses.

Houses built in the 17th & 18th Century are a real challenge to most Insurers, mostly because of the building materials used in those days and because they could be Listed.

A Felt and Board Flat Roof Insurance is quite a problem for Insurers as it requires more maintenance over a shorter period than a Slate or Tiled Roof. Normally a higher excess is imposed on the Insurance Policy along with with a 5 year Inspection Warranty.

Mundic Block Built House   Some of these local materials used as aggregates in concrete construction can cause deterioration and mechanical weakening of the building form. Lack of cement can cause deterioration too. Class A and A/B sound and acceptable, CLASS B sound now but containing too much deteriorating material to be regarded as stable CLASS C unsound and repair needed. Please advise type or preferably have certificate to hand so we can help. Click onto Mundic Block Built House Insurance below to view more information.                                

                                     

                                      

Please complete the form giving all details of your Non Standard Property to be Insured. Our Underwriter will contact you to discuss your Non Standard Home Insurance quotation

     

For Non Standard Home Insurance Tele: 01784 436262

Flat Roof Houses - Timber Framed Houses - Concrete Built Houses

Introduction - when you insure your non standard property, whether it is a for residential purposes or commercial, your insurer will require confirmation that the building is of a standard construction and is not unusual in any way. When calculating their insurance premiums insurers use this standard definition and the bulk of UK property quotations falls under that description the description. If of course, yours does not happen to fit within this standard definition, it does not mean that you will not be able to obtain building insurance but it does mean you might have to have to pay an increased premium. Standard construction is usually defined as a building that is built of brick stone or concrete and roofed with slate tiles or concrete. Some insurance companies extend this definition to include the materials felt and metal. With regard to the roof of the property, most insured are referring to a structure that is pitched in design, flat roofs often made of timber covered with felt only have a certain life expectancy and most insurers will tell you that they have a tendency to leak. In fact 10 years seems to be the maximum you can expect a flat roof to last and really it should be checked at least once every two years and repaired if necessary. If the portion of your roof that is flat does not exceed approx 20% of your property (which is the case with a lot of property that have been extended at the rear), you should be able to obtain a building quotation at normal terms. So bricks, stone and mortar are the accepted norm and most building techniques in the UK have changed little in over 200 years. Some other building techniques that are employed and perhaps not so wide known are listed below. In many cases, you will be able to obtain insurance and to help secure a quotation it is a good idea to have as much information as possible as to the exact construction. If you suspect your building is of non standard construction, you must inform your insurers prior to cover being accepted. Don't be frightened into thinking that it is too much bother to source a non standard home insurance policy, we have specialist insurers that are only too willing to offer cover.

Thatched Roof - thatched roof houses are still very popular in the UK today, and this is classed as non standard construction mainly due to the increased fire risk. There are various type of reed covering available for roofs and some insurers will charge extra depending on the type of covering used. The method of heating and age of wiring also play an important factor in rating and you should have this information at hand to obtain a quote.

Cob Construction - Cob is an ancient form of building block that has been in existence for over 600 years. Originating in Devon its main constituent is mud, this is often mixed with straw and sometimes animal dung. (The introduction of animal dung was a by product of the mud being having to be continually trampled by horses and cattle to give it the right consistency) It is often rendered with cement and often this does not allow it to breathe and dry out properly which can result in its collapse over a period of time. Modern Cod techniques can now produce a block which is pre dried and thus produces a minimal amount of shrinkage.

Timber Framed - many modern home buildings are now constructed of timber frames and it is a safe an reliable form of building with all new construction having to meet certain building regulations and standards Many older style buildings that are listed are timber framed and often these are sometimes considered to be standard because of the sturdiness of construction. Buildings made entirely of wood such as holiday chalets are always considered to be non standard an appropriate insurance rating charged if acceptable

Weather Boarding - weather boarding which is particularly prevalent in a number of areas is usually added to property for decorative reasons and not part of the main construction. Vertical battens are usually fitted to brickwork or in place of brickwork as an attraction or to provide some extra protection against the elements.

Mundic Block - during the early to mid part of the last century many houses particularly in Devon & Cornwall were constructed either whole or in part with mine waste materials. This waste or aggregate was available very cheaply from mines in the area, was of poor quality and riddled with impurities. These impurities have lead to chemical reactions over a period of time resulting in much crumbling of many buildings constructed with this technique. It is highly unlikely that you will be able to obtain either insurance or a mortgage for any property that is constructed of mundic block.

Wattle & Daub - in constructing a property or part of a property from Wattle & Daub, a woven latticework of poles or stakes are daubed with a mixture of clay & sand sometimes straw and dung( a little like the cob construction as mentioned above.) The wattle and daub is then whitewashed to help keep in waterproof.

As well as the above which are techniques, you may find that you property contains to varying degrees any of the following. Asbestos, corrugated Iron, Plastic Sheeting, Metal, Prefabricated Materials.. Whilst the lay person can not be expected to be well versed in the construction of property, surveyors are and you should look to your survey report to obtain a description of the property and its construction method. If you make a false declaration to your insurance company with regard to the construction of your property, you may find that a claim will be declined.

Buying a Non Standard Construction House

Unconventional construction may scare off lenders who fear they might not get their money back if the buyer can’t sell on. A half finished project will also prompt lenders to advance money on a tiered basis, so the buyer has to have cash backup from elsewhere. A savvy estate agent will know specialist lenders and insurers who may be able to help a buyer take the deal forward. The Ecology Building Society, for instance, will lend where others won’t, if the property meets their criteria. Typical mortgage projects include renovating a derelict property, log cabins and converting a disused or redundant building back into a home. So that pigsty with planning permission might not be entirely out of the question.

There is no comparable evidence, just an instinctive and informed assessment. It isn’t just quirky properties which fall foul of conservative lenders. It is often extremely difficult to get a mortgage on a former council flat in a tower block if it is above above a certain floor. That, in turn, causes problems for the agent who has to find a cash buyer or investor.