Ultimately, that will depend on what your listed property insurance policy covers, but you might want to think about the following:
- Does the policy offer damage cover for the brickwork of the building, including any damage caused by fire, flood or storms?
- Whether the policy covers the cost of specialist materials and labour.
- Does the policy cover the cost of alternative accommodation while your home is uninhabitable, as repairing a listed building can be a lengthy process? If it does, there’s usually a maximum amount you can claim, so make sure you’re happy with any limits imposed.
Remember, an insurance policy is there to protect you against sudden, unforeseen incidents and it won’t cover routine maintenance of a property or anything caused by wear and tear. Maintaining your listed home is vital to minimising problems associated with older properties. Try to ensure your home is secure against damp, that there are no drainage blockages and that you check regularly for broken roof tiles.