Landlord insurance in Norwich
Norwich is a historic city of medieval lanes, Georgian streets and a good deal of flint, render and other traditional building materials, much of it let as homes and studios. Repairing that older fabric is not a job for standard materials.
Where the risks come from for Norwich landlords
When a historic or traditionally-built property is damaged, matching the original, flint, lime render, handmade brick or pantiles, costs far more than a modern like-for-modern repair, and conservation rules may require it. A policy that pays only for standard materials leaves a gap.
A Norwich example
Storm damage strips render and dislodges flintwork on the front of a period Norwich let. Repairing it properly means lime render and matching flint laid by a specialist, at a cost well above a modern patch. Because the property was insured to reinstate on a like-for-like basis, the full, correct repair is met.
What landlord insurance covers
For older property the buildings sum and the policy wording must allow for like-for-like reinstatement in matching materials, not a modern substitute, or the owner funds the difference. On that basis the standard perils, property owners' liability and loss of rent respond as they should.
Placing it in Norwich with Apex
Historic fabric needs a rebuild figure and a wording that reflect traditional repair, which is a job for an insurer who understands old buildings. Apex places Norwich's period and historic lets through one named broker. FCA authorised; established 2009.
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