How different roofs affect your buildings insurance
If your home and roof is made with standard building materials that are relatively inexpensive to buy, repair or install and are hard-wearing; then your building insurance premiums are likely to be less than for someone whose home is made with unconventional materials.
Non-standard or unconventional construction and materials might win your house some grand design award, but the accolade comes at a price. Unconventional materials are non-standard for a reason, thatch for example, relies on a skilled thatcher to install and the type of material used (traditionally water reed) can be expensive. Thatch roofs also have a limited lifespan – usually a maximum of 25 years. Plus, although you can douse your roof with fire retardant; thatch is flammable.
Other alternative materials include glass – whilst common enough for windows, as a roof covering, it’s considered unconventional. The same goes for metal, whilst it can seem like an everyday material, as a roof on a residential property, it’s considered non-standard.
Your buildings insurance is there in case you have any repairs or need to build your house from scratch and your roof makes up a considerable part of that. So when it comes to working out your premiums, your insurance provider has to take into account material and labour costs along with any associated risks inherent in the materials used (such as increased fire risk with thatched roofs), such as its longevity or how desirable it is to thieves (such as with lead or copper roofing).