If you’ve ever dreamed of owning a thatched roof home then you’re not alone. Many people in the UK love the unique look that a thatched roof provides.
If you’re thinking of purchasing a thatched roof property there are certain things you need to be aware of. Below are some of the main ones.
There’s a good chance it will be a listed property
Listed properties are those that are judged to be of significant historical or cultural interest. Many thatched roof properties are listed, which can make it harder to get a mortgage for them.
Something else to consider is that if the property is listed, you have a responsibility to keep it as close to its original state as possible. This means if you want to have any structural work done on the property, you need to obtain written permission from the council first.
You’ll need to get a special type of insurance
Because building a thatched roof requires special expertise, you’ll need to obtain an insurance policy from a specialist thatched roof property insurance provider.
Luckily the internet has made it much easier to obtain quotes for thatched roof property insurance so it shouldn’t be too much of a challenge to get a policy at a reasonable price.
It’s always a good idea to have it professionally valued
Thatched roof properties are generally specialist properties that need professional expertise in order to be valued properly. There are many factors to take into account when valuing a thatched roof property, such as the location, its historical value, the rebuild costs and the size amongst other things.
You’ll need to have an electrical inspection
This is important for your own safety and for insurance purposes. One of the biggest concerns that insurers have when it comes to thatched properties is safety. The risk of fire is increased significantly if there are any exposed wires so a proper electrical inspection by a professional is a must.
You’ll want to have the chimney and flue inspected
Most thatched roof properties have a working fireplace, which certainly helps to add to the charm. However a fireplace and chimney can be a fire hazard if they’ve not been properly inspected for a long time. One of the first things you’ll want to do after you purchase a thatched roof property therefore, is have the chimney and flue inspected by a professional.