Secure Your Unique Property with Unmatched Thatch Insurance
Buildings with thatch roofs, such as homes, lodges, and other structures, are undeniably charming and unique, but they also come with specific risks that require specialised property insurance. At SBS, we offer tailored insurance solutions designed to protect your thatched properties, whether you’re a homeowner, lodge owner, developer, or part of a body corporate.
Specialised Thatch Roof Insurance
Comprehensive Thatch Insurance
Homeowners Association & Body Corporate Insurance
Tailored Property Insurance Solutions
Protect Your Thatched Property Today
Don’t leave your thatched homes unprotected. Whether you’re a homeowner, developer, or managing a thatched complex, SBS is here to provide the specialised property insurance solutions you need. Contact us today to explore the best Thatch Roof Insurance options for your property.
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Standard insurers often view thatched roofs as a high-risk category, primarily due to their increased vulnerability to fire and potential for severe damage from weather like hail or wind. Many providers lack the specialised knowledge to accurately assess the risk, leading them to either decline cover or offer it at an extremely high premium. Our Thatched Roof Insurance is different because we have over 40 years of experience and understand these unique properties, allowing us to provide comprehensive, fairly-priced cover where others won’t.
Our specialised Insurance for Thatched Roofs is designed to cover the unique perils these beautiful properties face. This includes, but is not limited to:
Fire: The most significant risk, with cover for full replacement.
Lightning and Storm Damage: Protection against structural damage from severe weather.
Public Liability: Covering accidents that might occur on your property.
Subsidence and Landslip: Protecting the foundation of your home.
Unlike generic policies, our cover is specifically structured to ensure there are no gaps related to the thatched structure itself.
This is a core area of our expertise. A standard Body Corporate Insurance policy is often inadequate for the shared risk of a thatched complex. We design a specialised policy that covers all the communal thatched structures, lapa areas, and shared property. It also includes essential cover like Public Liability and can be bundled with Fidelity Cover to protect the Body Corporate’s funds, ensuring the entire community is secure under one comprehensive, expert policy.
To secure the best Thatch Insurance, insurers need to see that the property is well-maintained and that risks are actively managed. Common requirements include:
A professional electrical compliance certificate (COC).
Installation of smoke detectors and fire-fighting equipment (e.g., extinguishers or hose reels).
Regular maintenance of the thatch, ensuring it is in good condition.
Ensuring the chimney is properly installed and regularly swept if you have a fireplace.
Following these steps not only makes your property eligible for cover but also significantly reduces your risk profile.
While Thatched Roof Insurance is a specialised product, it doesn’t have to be prohibitively expensive. The cost is influenced by risk factors and how well they are managed. By working with a specialist broker like SBS, we can present your property accurately to insurers, highlighting all the safety and maintenance measures you have in place. This allows us to negotiate the best possible terms and find you comprehensive cover that is both effective and affordable.
