Thatched pubs are a staple of British culture, evoking a sense of tradition and history. However, owning a thatched pub comes with its own set of challenges, particularly when it comes to insurance. Due to the increased risk of fire and other damages associated with thatched roofs, finding adequate insurance coverage can be a daunting task. In this article, we’ll explore why it’s so difficult to find thatched pub insurance and how Just Quote Me can help.
One of the main reasons why thatched pub insurance is challenging to find is due to the higher risk of fire. Thatched roofs are more combustible than other roofing materials, meaning that they are more prone to catching fire. This increased risk of fire means that insurance companies are more cautious when it comes to offering coverage for thatched pubs. Some insurers may even refuse to cover thatched properties entirely, while others may charge higher premiums.
In addition to the risk of fire, thatched roofs can also be susceptible to other damages such as nesting and infestation from birds or rodents, as well as damage from high winds or other severe weather conditions. As a result, thatched pub insurance policies need to provide coverage for a range of risks, which can further limit the number of insurance providers that offer coverage.
Given the higher risks associated with thatched roofs, many insurers require thatched pub owners to take specific measures to mitigate these risks. For example, they may require that owners install fire alarms and fire extinguishers, as well as carry out regular maintenance to ensure the roof is in good condition. Failure to meet these requirements can result in higher premiums or even the loss of coverage altogether.
All of these factors make finding adequate insurance coverage for a thatched pub a challenging task. Fortunately, Just Quote Me can help. As a specialist insurance broker, Just Quote Me has a wealth of experience in finding insurance coverage for unique and challenging properties like thatched pubs. The team works closely with a range of specialist providers, ensuring that they can help you find the right level of cover for your needs.
Just Quote Me can also provide guidance on how to mitigate the risks associated with thatched roofs, such as providing advice on fire safety measures and maintenance requirements. By working with Just Quote Me, you can ensure that your thatched pub is adequately protected, providing peace of mind and allowing you to focus on running your business.
In conclusion, owning a thatched pub comes with its own set of challenges, particularly when it comes to finding adequate insurance coverage. However, by working with a specialist insurance broker like Just Quote Me, you can find the coverage you need and ensure that your thatched pub is protected against a range of risks. So, if you own a thatched pub and are struggling to find insurance coverage, get in touch with Just Quote Me today to see how they can help.