Non- standard Building Insurance

Wednesday, January 22nd, 2014

What is non-standard building insurance and what does non-standard mean?

Well most insurers class standard construction of a property to be it being built of brick, stone, or concrete, and roofed with tiles or slate. When the construction falls outside of these materials many insurers will class this as non-standard. If you own a non-standard property it can be more of a challenge to find an insurer willing to offer insurance cover for the property.

With the pool insurers willing to offer cover shrinking for a non-standard property, the premiums tend to increase due to less competition. However this is not always the case as it is just about finding the most suitable insurer. Insurers spend much time and money analysing risk and some are willing to take higher risks than others. So you just need to find the right insurer.

We have a large panel of insurers specialising in non-standard construction so we are confident that whatever the building material we will be able to offer a suitable policy. A common construction material we get inquiries for is timber frame properties as for many insurers this falls outside of ‘standard’ construction. Other examples of non-standard construction are thatched roofs and metal roofs. Many new build flats today are designed with metal roofs and this too can cause a problem when looking for insurance.

More examples of non-standard construction include properties built of glass, metal, wood, and prefabs. Roof construction is also a major factor to an insurer’s acceptance with flat roofs especially a concern. Flat roofs come in many forms including felt on timber, asphalt, fibre glass, glass, metal and plastic.

Green Homes

As time goes on the construction industry is evolving and we have seen the introduction of so called ‘Eco Homes’, these eco homes are being built with innovative designs and techniques and the properties can fall outside of the ‘standard’ construction type.

These properties are popping up all around us thanks to the efforts of government, architects, and developers and one of the energy efficient devices that can be incorporated into eco homes are solar panels.

Photovoltaic panels convert photon particles from the sun into electricity, while solar thermal collectors use heat from the sun to warm water or liquid contained within a network of pipes. Neither generates carbon as a by-product, and both can be used by households to reduce their heating and electricity bills.