.Experts in providing concrete home insurance policies
Concrete construction properties saw a huge boom in the post-war years when there was huge demand for new housing and a lack of skilled tradesmen to build them. The concrete houses were quick and cheap to manufacture. They have proved much more long-lasting than anticipated, as many are still standing today. Although some people still choose to build with concrete, the construction method has largely fallen out of favour. This is because it can often be hard to obtain a mortgage and insurance policy on such houses. Steel frames tend to be more susceptible to water damage to the foundations. They can sometimes corrode and give way. Owning a concrete home will likely mean that you require a concrete home insurance policy due to the non standard construction.
Our concrete home insurance policies include the following as standard;
- Instant Cover
- Buildings and contents cover available
- Competitive premiums for this construction type
- Standard excesses apply
- Instant online acceptance
- Average call centre answer time under 1 minute
Concrete can be difficult to insure
Unfortunately, many insurers and mortgage lenders will deem a concrete construction house as being ‘defective’ unless it has undergone remedial repair works. This process involves using bricks to reinforce the existing concrete structure to a specific standard.
One of the main concerns with concrete homes is that they are more susceptible to damage and may break down and become unstable over time. However, these concerns are usually unfounded as modern concrete constructions are often just as robust as brick properties. Proper maintenance can have a huge impact on extending lifespan.
Despite their difficulties, the positives of concrete houses will often outweigh the drawbacks. They can be a good purchase as they frequently cost significantly less than a comparable home of standard build. This is largely due to the stigma that surrounds them. This can lead to a real bargain purchase. You could end up owning a home that would usually be far outside your price range. It is always advisable though to check that you will be able to obtain a mortgage and insurance policy. In order to properly assess the property’s condition, the necessary surveys should be carried out.
Concrete house construction types
There were two main construction types used in the post-war boom in concrete houses in the UK. The first involved precast reinforced concrete systems which were manufactured off-site, and ‘slotted together’ on-site. The second was cast in-situ concrete systems, which were poured on-site into a timber ‘formwork’ called shuttering.
The poured concrete house construction method is evident in ‘Wimpy no fines’ properties. The George Wimpey company developed this construction method. The type of concrete used in construction lent the method its name as it contained no fine aggregates. This construction type is generally more acceptable to insurers and mortgage lenders, although it is no longer in use for modern constructions.
Many of the prefabricated reinforced concrete designs used in the post-war boom were essentially condemned as being fundamentally defective by The 1985 Housing Act. Most of the problems related to corrosion of the reinforcement and deterioration of the concrete. After that, lenders would not lend money on them unless they were the subject of an approved repair scheme, and those problems remain to this day. Lots of such concrete properties have now had the required repairs completed.
Lots of people frequently ponder the differences in concrete house vs brick houses when looking to purchase a property. As long as your concrete build property is mortgageable, companies such as CoverBuilder will be able to quote you a home insurance policy. Concrete houses can still be much more difficult to sell on due to their negative reputation.