Advice for owners of listed homes, commercial heritage buildings and properties requiring specialist reinstatement.
Listed buildings may require traditional materials, specialist craftspeople and consent-led reinstatement. A standard rebuilding figure can be inadequate, and policy conditions deserve careful attention.
The aim is to insure the building you own — not an imaginary modern replacement.
Availability and scope depend on insurer acceptance and the terms offered for your business.
Cover should be considered against specialist materials, labour, professional fees, debris removal and conservation requirements.
Contents, artwork and valuable architectural features may require specific limits, descriptions or specialist valuation.
Longer reinstatement periods may require a longer indemnity period than a modern property.
Works and periods of vacancy must be disclosed, with contract and risk-management information supplied where required.
No. The cost of compliant demolition and heritage reinstatement can be very different from the property's sale value.
No. Appetite varies by listing, construction, use, sums insured, condition and claims history.
The listing grade, survey or valuation, construction, roof, use, occupancy, works, security and claims history are usually important.
Tell us what you do, what needs protecting and when the policy renews. We'll take it from there.