Wooden Home Insurance Policies
Whilst there are numerous advantages and disadvantages of owning a timber-frame house, securing reasonable insurance shouldn’t by issue. A standard provider may not be able to meet your needs, but here at CoverBuilder we can to help with our wooden home insurance. If your property is made of a timber frame design, we’d be happy to assess the risk and provide you with a competitive quote for property insurance. We work with top UK insurers to ensure that your property will have the appropriate cover in place when you need it the most. We can cover older style wooden construction through to modern, modular, wooden frame builds.
- Immediate cover
- Buildings cover up to £1.5million
- Contents cover up to £150,000
- Personal possessions up to £40,000
- 24/7 Claim helplines
- Trace & Access cover up to £5000
- Buildings and Contents cover available
- Competitive premiums for this construction type
- Standard excesses apply
- Instant online acceptance
Are you finding it difficult to insure your wood frame house?
Many mainstream insurers often view a timber-framed construction as a complex or ‘non-standard’ property. The result is an increase in their prices to cover such a risk, especially when seeking insurance for an old wooden framed home. To help illustrate why such properties are deemed non-standard, we’ve outlined two reasons below why;
Vulnerability to fire
Any wood frame building is susceptible to fire damage given the nature of the materials used during construction.
Lightweight in density, timber homes in many instances are built with little or no foundations at all. With such implications in mind, shallow foundations can lead to cases of subsidence, whereby you may experience cracks in your external brickwork and internal plasterwork.
Wooden home insurance for timber-framed properties
Types of wooden frame we cover;
Timber frame in constantly increasing in popularity. Around a third of self-build properties are estimated to be constructed using one of the various methods. Older buildings such as barn conversions will often be made of this construction type too. We’ve outlined some of the most common construction methods below:
This type of wood frame consists of wood studwork fixed in place with sheets of plywood. This creates a rigid box known as an open panel. Insulation is then added on site with external wall elements then built up around this.
Very similar to open-panel systems, which leave a lot of work left to be completed onsite. Close panel systems are largely completed within a factory, as a form of modular construction. This means minimal time is spent on site making the process quicker.
Structural Insulated Panels (SIPs)
SIP construction is sometimes referred to as wooden frame without the timber! The panels obtain their strength from insulation that is bonded within an interior and exterior wall. It can sometimes be difficult to be sure of the differences between SIP construction and traditional wooden frame but most SIP systems have some form of wooden frame encased within them.
In this construction method the walls are made of solid timber; either cross-laminated or engineered timber panels. It provides a very strong building and allows the timber used in construction to be shown off to its best advantage. This type of timber frame has to be constructed on site. Original panel systems remain the cheapest to produce although the more expensive options can offer greater savings longer term due to their increased energy efficiency.