Insurance for timber, log buildings or log cabins used as your second or holiday home, can be one of the most difficult and time consuming types of insurance to obtain. The vast majority all UK insurance companies will not even insure this type of building because they have issues relating to be construction and the restricted occupancy.

This is a type of insurance policy that can really only he obtained from a specialised product provider such as Assetsure. When calling for your quotation, an insurance company will ask for a variety of information, before they decide if they are able to provide you with any quotation. Amongst other things, they will want to know the type of construction, the roofing material used, with many timber buildings, the roofs are constructed of asphalt placed on timber, sometimes the roofs are pitched, sometimes they will be flat. Often on the telephone, it is difficult to describe a property even if you have owned it for quite some time, try taking some photos and keeping these to hand, they may prove invaluable in explaining the shape and dimensions of your property. They will also want to know, the type all foundations of the property. [if any]. It is fairly typical for an insurance company to charge more premium depending on the degree off non-standard construction involved in the property. A timber building, built on standard foundations will probably receive a cheaper insurance premium than a building without foundations or a static or mobile home anchored at all four corners on a concrete base. It is important to be very clear on the type of construction to insurance companies so they can acquaint themselves with the type of risk being offered.

As with all holiday homes, whether standard construction or made of timber, insurance companies are worried about the period of occupancy, in particularly the winter months with the increased risk off weather-related claims, including including burst pipes. Of course, the risks change depending on where in the world your property is located, in some countries, there may be a greater chance of fire or flood. Any policy purchased in respect of a holiday home, should always be studied most carefully, almost all come with a list all of endorsements, these endorsements will mention any special requirements which have to be attended to before a claim can be considered to be valid. With regard to the types of insurance perils available to owners at this type of property, you will usually find the range of perils fairly similar to those available under a standard home insurance policy.

A typical policy would include a large list of perils including the following; fire, explosion, lightning, earthquake or subterranean five, smoke, riots, civil commotion, legal or political disturbances, malicious persons or vandals, storm , and flood, hail, avalanche, escape of water, sewage, escape of oil from any fixed heating or domestic water installations, washing machines or dishwashers, theft or attempted theft, collision involving aircraft or aerial devices or anything dropped from them, vehicles, animal's, falling trees or aerials and their fittings, electrical power searches.

As well as this broad range of perils, which does vary from insurer to insurer, you will usually be compensated for either temporary accommodation or losss of hiring charges. You may find that following a serious incident at the property, you are unable to use it for several months, until such time as the insurance company provides a reinstatement. Sometimes this is an additional form of cover and again policy wordings should be checked most carefully to make sure that you have the correct cover you require.

It does make a difference, whether you are using your timber building as a holiday or second-home or as you'll many residence, it is fairly typical for an insurance comapny tha tprovides cover for holiday or second homes, not to be able to offer cover in respect of buildings that are used as the main residence. It is thus important to disclose all the relevant insurance at the time you request your quote.

In the last few years, timber buildings, traditionally associated with the more basic type of construction have become more elaborate and the number all the sales of timber built holiday homes has increased dramatically. Often costing less than a more traditionally built stone or brick building, many people have released equity from their own homes to purchase a second or holiday home in that one of the popular resorts and holiday parks located, not just in the United Kingdom, but throughout the world.

No longer, perceived as a cheap form off holiday home, the humble log cabin or chalet has come a long way. The latest ones now being constructed often come fully equiped with all mod cons and are often spacious and visually attractive as well.
A quality constructed timber building can be an excellent investment and despite many people's opinion about the construction , these buildings have proved over hundreds of years, that they are extremely durable. It is not unknown for timber buildings to be over 150 years old, and with the right mount of care and maintenance, they can remain fully habitable for an indefinite amount of time.

There is no real reason why this property type should be any less secure than a building constructed of standard building materials such as bricks all stone doors and windows can be fully protected with quality locks if required,. Of course fire would always be a big worry for most people owning this type of property, however most timber buildings undergo a rigorous set of tests to prove their ability to withstand fires. Numerous tests have been carried out to prove them to be perfectly safe and generally, timber buildings that have been treated correctly are often able to provide a " delay" once a fire has started. Size and thickness of the logs also plays a part, with many logs burning only a small amount with minimal spreading of the flames. If you have any concerns relating to the safety and security for a timber building, the manufacturer should only be to please to discuss the situation with you.