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Non-Standard Construction Insurance

Non-standard construction insurance is a group of policy features associated with houses that are not constructed with the standard materials one might associate with a property. In practice, this most likely means those that are not built with bricks and mortar. As a result, many providers find it hard to categorise the risks involved, which is where non-standard insurance comes in.

What You Need to Know About Non-Standard Construction Insurance

Stone house

Non-standard construction insurance refers to properties that are considered to be difficult for an insurance provider to define. This typically means those that are not constructed with bricks and mortar, including thatched roofs, prefabs (which were supposed to only last a decade or so when they were built in the 1960s) and older homes that date back hundreds of years using materials that have since become obsolete. Standard insurance policies will often either refuse to provide coverage, due to the inherent risks involved or having difficulty categorising the unique issues such properties often have. Landlords are therefore somewhat at the mercy of the whims of standard providers.

Old fashioned windows

It is here that non-standard construction insurance specialists can help. Depending on how the property is categorised, “non-standard” can mean increased premiums, so it pays to understand what the exact needs and risks involved are. Some properties that don’t fit the standard model, for example, are no more at risk from damage than their bricks and mortar equivalents, so such expenses should not be an issue. Specialist providers should be better at offering advice and the right policy coverage to suit the specific circumstances of landlords with such properties.

Features of Non-Standard Construction Insurance

Non-standard construction insurance, as the name suggests, is not easy to pin down. When added to this the subjective nature of each individual provider when it comes to non-standard properties and it can be easy to get overwhelmed with the options and considerations presented. The following, however, are some of the more popular and consequential policy options for such properties:

Thatched Roof Cover

One of the most beautiful features of old houses, thatched roofs are highly stable and reliable as long as they have been properly constructed and fitted. Standard insurers are not always the most open minded to such structures, however, with some even refusing to provide coverage altogether. Non-standard specialist providers are typically well versed in providing policy for such features, with some very affordable options for those in good condition or well-maintained over a number of years.


Asbestos Insurance

A product used in the construction of homes for a number of decades until the 1970s, it was found that asbestos caused lung cancer when disturbed and inhaled. Since then, any renovations undertaken with such properties requires specialists at extra cost. While some standard providers can include this in their coverage, many do not. Specialists are particularly well suited to providing policy that can take these risks into account without raising premiums beyond the actual risks presented to both person and wallet.

Subsidence Cover

There are many reasons as to why a property might be at risk of subsidence. Properties built on clay and properties that have large roots underneath them, from trees and even shrubs ,are most likely to be at risk. Insurance providers will assess this as of particular risk if your property is made from non-standard materials, and if they are not sure of the consequences of the combination of foundations and nature, they will charge extra. Specialists can assess such risks more accurately, providing a fairer price for the best coverage.


Accidental Damage Cover

All property is at risk of accidental damage, so it isn’t something that is the preserve of non-standard construction. The fact of the matter is, however, that insurance providers are not architects, and when push comes to shove, they will err on the side of caution in the policy they provide landlords. This can lead to higher costs or gaps in the coverage. Specialist providers will be far better informed of the risks involved and can provide more profound advice relating to the policy options involved, as well as their associated costs.