Non-Standard Construction Homes: Timber Frame, Steel and More
Quick answer
A home is usually classed as non-standard construction if it is not built of brick or stone with a slate or tiled roof. Timber frame, steel frame, extensive glazing, flat roofs, eco materials and thatch can all fall into this group, and specialist insurers are often better placed to cover them.
General information only. High Value Home Quote is an FCA-registered insurance introducer (lead generation), not a broker or insurer. We do not give advice or prices. An FCA-regulated specialist broker can advise on your own circumstances.
Examples Of Non-Standard Construction
- Timber frame or oak frame
- Steel frame and structural glass
- Flat roofs covering a large share of the building
- Earth-sheltered, straw-bale or other eco builds
- Thatched roofs (thatch guide)
- Prefabricated or modular systems
Why Specialist Cover Can Help
Mainstream policies are built around standard construction. Specialist insurers are more used to unusual materials and architect-designed homes, and to the rebuild costs that come with them.
Getting Started
Have your construction details, architect drawings or build specifications ready. We introduce you to FCA-regulated specialist brokers at no cost.
Frequently asked questions
Is timber frame always non-standard?
Insurers vary. Some treat modern timber frame as standard if it has a brick outer skin; others do not. Answer construction questions accurately.
Why does construction matter?
It affects fire risk, repair methods, materials and rebuild cost, all of which insurers consider.
Can you tell me which insurer accepts my build?
No — that would be advice. A specialist broker we introduce you to can discuss suitable insurers.
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