Barn conversions have proved popular in the past for people who are looking for something quirky, unusually roomy and a chance to make their mark by creating an individual living area. Many types of agricultural buildings are being converted into dwellings, from cow byres to stables – and as they were designed for agricultural purposes, these buildings have little in the way of insulation against the cold and damp. Often structural problems exist too, making them something of a challenging renovation project.
One of the very first things you must consider is insurance – right from purchase during the renovation process and through to occupation. Costs soon mount up on a project like this and if something was to go wrong during the renovation works you could end up with severe and extremely costly interruptions – which is why you must have appropriate insurance in place. Make sure too that builders and craftsmen working on the site also have all the relevant and necessary insurances in place.
Once completed, converted barns often possess many wonderful features such as wooden floors, beamed ceilings and wood burning stoves. As a unique property, insurers will need to know the full details of the dwelling in which you are going to live, from the type of structure through to the insulation used in order that they can correctly assess your insurance risk and consequently your premium. A few important points to disclose to your insurance company are:
>Heating and electrics; make sure your insurance company is made aware of any wood burners or multi-fuel stoves installed, together with any types of alternative heating source in the property.
>Flood prone areas – farmland is often susceptible to flooding so make sure you know any risks to which you may be exposed, and alert your insurance company to these.
>Presence of tall trees – tree roots can cause real subsidence problems in non-standard constructed homes, and your insurance company will want to know the size and proximity of trees around the building.
>Thatched roof – chimneys must be insulated and lined and there are many other safety aspects to consider too, so it is vital you tell your insurers if your roof is thatched.
Getting insurance for barn conversions (or any unusual dwellings) is not easy, but our professional and knowledgeable team at Westhill Insurance Services will provide you with pragmatic and sensible advice. We will take the time to listen to you and will search the market to find the most appropriate insurance at the best possible price. As an independent company, we can shop around: we understand how to find the most suitable insurance so that you are properly covered without having to buy insurance you don't need. We will be proud to look after you from purchase of the original building right through until the time you move in – and after. We will be with you every step of the way whilst your dream house takes shape, and we will look after you in the years to come.
Contact Westhill Insurance Services, today.