Timber Frame Home Insurance FAQs
Does a timber frame home cost more to insure than a traditional bricks and tiles property?
Not always. While the cost to build your timber frame home may not be that different to standard brick houses, they are more cost effective to run after completion because of their heat retention. Just bear your insurance in mind when budgeting the long-term cost of this non-standard building material.
What should I do about rotting wood in a timber frame house?
Rotting wood is a risk that every homeowner of a timber frame home will need to get to grips with as time goes on. You can cut away the affected wood and replace it, or alternatively applying a wood preserve or lead paint can make all the difference.
How do I find the rebuild cost of my property?
If you purchased the property in the last 5 years your homebuyers survey may include the rebuild cost. However if you purchased the property more than 5 years ago you will need to get an up to date assessment.
If your home is of standard construction (normally brick walls and tile roof), not a listed building and not built before 1720 you can use the free online BCIS Rebuild calculator.
If your home is built with non standard construction materials, or it’s a Listed Building or it was built before 1720, you will need to consult a Chartered surveyor to provide you with an accurate rebuild cost.