Insurance for Listed Buildings



Appreciation for the historic home comes with an understanding of cultural value, but insurance for listed buildings must consider the inherent special value that such buildings have. Many homes built with architectural features have survived decades or centuries of wars, famine, pestilence, fires, and angry mobs ready to blow up the front of the building to get to the occupants inside. Such buildings are not properly appreciated by the insurer of a more mundane and common dwelling. These historical wonders were built when quality was king, and at architecture marked the time and date of societies evolution. When appraised for value, agents of common insurance companies will not consider any of the factors that make the structure more valuable than usual. They are not trained, and only with training and experience are the keen eye of an understanding appraiser able to spot the significance of the hand carved wood or unusual stones that were used in the construction.



When more than 40 percent of a building fabric is left standing after a major catastrophe, such as a fire or earthquake, it is expected that the owner will re-instate the building; that is repair the building to its original status and grand stature. No one complains about this except the insurer who has not been diligent in understanding the value of the property until it comes time to pay for the specialized labor that is necessary to perform the work. Such insurers typically contract with builders on a mass quantity commercial basis to make repairs covered under an insurance policy. But these contractors know nothing about quality architecture, and are thus incapable of doing the work properly. Appraisals performed by a view of the exterior tell only part of the story for these magnificent buildings. Inside, a world of beauty and charm is revealed that is not be appreciated by a snapshot taken from the front yard.

When one enlists the services of a professional insurer who is qualified to insure historic landmarks or buildings with significantly higher value due to their historic assemblage, they are not disappointed when calamity comes because true experts will be enlisted to appraise the damage. The work that is necessary to make the correct repairs will get down by professionals who understand the nature of the work to be performed.

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