Belinda Bagnall from Residentsline Insurance explores the risks faced by historic buildings and their owners, as well as practical ways to mitigate them.
Listed and historical buildings form a part of UK heritage and are a common sight in our villages, towns and cities. Records show that there are nearly 380,000 listed buildings registered in the UK, and each listing can include multiple buildings.
These buildings remind us of our history and are an integral part of our infrastructure. However, their age and unique characteristics make them more vulnerable to risks than their modern counterparts.
Structural degradation, environmental threats and the skills required to repair any damage all pose an issue for property owners. A proactive approach is needed to protect these valuable assets.
Structural Issues
Historic buildings utilise materials and construction techniques that may not meet modern safety standards. Timber beams, lime mortar and ageing plumbing systems are often the cause for structural degradation. They can deteriorate over time, causing weaknesses, leaks and faults.
Owners can defend against these issues by conducting or instructing regular structural assessments to identify any areas of concern before they worsen. Repairs and improvements can be done in a sympathetic manner, traditional materials and specialist conservation techniques can help maintain the building’s integrity.
Updating electrical and plumbing systems can reduce the risk of fire and water damage. Modern equivalents can be cleverly installed to reduce their visual impact and to ensure compliance with your duty to maintain the property in as close to its original state as possible.
Environmental Factors
Ageing buildings are more susceptible to the elements than modern structures. Damp, flooding and fluctuating temperatures are all problematic. The majority were also not designed to withstand modern pollution levels and the more extreme weather we are experiencing now.
Proper ventilation, dehumidifiers and breathable lime plasters are all great options for the control of damp and mould. They prevent moisture build up and the structural decay that would follow. For flood-prone areas, barriers, pumps and elevated electrical systems are advisable.
Insulation can be improved using heritage friendly methods. Walls and windows can be updated to help maintain a stable indoor temperature, without damaging any historic features the property boasts.
Accidental and Purposeful Damage
Unfortunately, purposeful damage is a risk. Vandalism and arson can have devastating consequences, as can accidental damage through fires, breakages or a lack of proper maintenance.
Damage can also be caused through ignorance. Unauthorised or ill-advised alterations can have huge repercussions – legally, financially and in terms of damage to the historical integrity of the building.
Discreet fire protection systems, fire retardant treatments on timber surfaces and proper maintenance of chimneys can all reduce the likelihood of a fire breaking out (and spreading if one does). Security enhancements such as high quality CCTV and alarm systems, along with reinforced doors and windows can help deter any vandalism.
If works needs to be completed, engaging specialist restorers is key. Their expertise will ensure that the work is compliant with conservation regulations and does not compromise the character of the building.
The Importance of Bespoke Insurance
Standard flats insurance policies often fail to account for the unique needs of historic buildings. Many policies exclude essential elements, such as the cost of specialist restoration or the use of traditional materials. Standard policies may also carry limited liability protection that fails to cover owners for the third party risks associated with older structures.
A tailored insurance policy ensures that historic property owners receive the protection they need, including:
- Full reinstatement cover using traditional materials and craftsmanship.
- Specialist claims handling with heritage expertise.
- Customised coverage for listed buildings and conservation restrictions.
At Residentsline, we understand the complexities of protecting unique, historical properties. To discuss your insurance needs and to receive a tailored quote, contact us today.
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