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Insurance

- an important and sometimes controversial issue in the conservation world. Proper insurance to enable full reinstatement in the event of loss is now a condition of most grant awards, but many listed buildings have no insurance, or are not properly insured. (see condition of average) Unlike the motor car there is no obligation to insure a building, and unlike many other countries, there is no tax relief for the proper insurance of a listed building. Insurance companies tend not to view listed buildings in a favourable light, to them, it is not a big market and they see them as old, vulnerable, difficult to repair etc. Many people are ignorant of the fact that if a building is unoccupied for more than thirty days, the insurance policy is invalidated, which probably puts many listed buildings at risk.
See Emergency works and advice scheme.