Non-Standard Property Insurance

Non-Standard Property Insurance

What is non-standard property insurance? Over the years there have been many different methods of building houses and flats and some construction methods have not always been of the most durable or highest quality, with problems often arising many years after the property was first built.

Insurance companies are familiar with houses and flats that have been built using conventional materials - brick, block, slate - and so they have a good idea about what they are insuring. For properties of 'non-standard construction' however, this certainty is much less reliable and insurers will need to know a lot more detail about how such a property was original built, the materials used and whether there have been any previous issues arising from the construction methods used.

Some examples of non-standard construction are fairly well known, such as thatched properties, timber-framed properties, reinforced concrete houses and even 'wattle and daub' properties. Each of these types of construction brings with it its own set of potential problems, such as an increased fire risk for thatched properties and possible defects in the steel reinforcement of PRC concrete houses.

From an insurer's point of view therefore, these issues represent an unknown quantity when it comes to settling any insurance claims that might arise from the non-standard construction methods used in some houses and flats. Before offering a quote for buildings insurance therefore, any insurer will want to know the precise nature of the non-standard property's construction, when the property was built and by whom, if this is known. Many pre-cast reinforced steel concrete houses were built quickly and cheaply immediately after the second world war by local authorities who needed to provide a large number of affordable homes in a very short period of time.

Non-Standard Insurance can put you in contact with insurance brokers that specialise in offering quotes for non-standard property insurance and who are familiar with the different construction methods used for these properties - simply click the 'Get a Quote' button.