A thatch made in heaven


Maintenance and fire of thatch properties can often deter buyers

Thatched roofs are no more likely to catch fire than a conventional roof

NFU Mutual offers advice on the risks and maintenance of thatch roofs


For many, life beneath a thatched roof is the epitome of rural living, but misconceptions often deters buyers. NFU Mutual the UK’s leading rural insurer, offers practical advice on the risks and rewards of owning a thatched property.



Claims for fires in thatched properties during 2014 are expected to cost NFU Mutual in the region of £4.6 million once all settled. However, the number of fires in thatched properties accounted for less than 1% of all fire claims in domestic properties handled by the insurer during the year.


Nicki Whittaker, a High Value Home Specialist at NFU Mutual, said: “Maintenance and fire are the two most common concerns voiced by prospective buyers, but statistically a thatched roof is no more likely to catch fire than a conventional roof. It is simply a matter of taking precautions and making sure you understand and take steps to minimise the potential risks involved.”


A new thatched roof should last between 15-35 years, depending on the type and quality of materials used, whilst maintenance on a typical three to four bedroomed home will usually include replacing the ridge every 10-15 years.

While thatched roof homes are no more likely to catch fire than homes with a conventional roof, it is important to remember that if they do ignite the fire is very difficult to control and the results can be devastating with some buildings being partially or totally destroyed.


Whittaker advised: “As 90 per cent of thatch fires relate to chimneys and the use of wood-burning stoves, making sure your chimney is swept and inspected on a regular basis and that it is appropriately lined can all help to reduce the fire risk.”



Take time to stand and look at the condition of the thatch.

If fixings are exposed it could indicate it is nearing, or is at the end of its life.

If gullies are appearing (vertical deep patches of rot) these will require the attention of an experienced thatcher.

Wet patches on the eaves could indicate the thatch is leaking.

If the roof is covered in heavy moss, it could mean that the thatch is unable to breath and is therefore unable to dry out properly.

Although a high quality ridge will only need replacing every 12-15 years, a poor quality ridge may only last 5-7 years. Sometimes, however, the ridge may look shabby, whilst still serving its purpose of keeping water out.


Homeowners or potential buyers can check out the National Society of Master Thatcher’s for their nearest registered member or speak to Thatching Advisory Services if they are unsure about the condition of a thatched rood.


For more information on how to protect a thatched property visit www.nfumutual.co.uk

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