Thatch Construction & Insurance

(Updated 18 September 2024)

South Africans take pride in our natural landscapes, and this appreciation often extends to our buildings. A popular style that reflects this is the use of thatch in roofing. While thatch roofs are visually appealing, their maintenance and protection require more effort than conventional roofing materials—something property owners often overlook.

From an insurance perspective, thatch construction is classified as non-standard and is rated differently compared to traditional brick-and-tile structures. Property owners planning to build or install a thatch roof must consider several critical insurance factors. Neglecting these could lead to serious consequences.

1. Whole structure rating: Thatch-roofed buildings are assessed in their entirety, considering internal and external influences like the proximity of vegetation, lightning conductors, and the use of electrical or heating systems inside the building.
2. Lapa positioning: Insurers assess thatch lapa risks based on size, typically less than or more than 20 sqm. The proximity of the lapa to nearby structures can also affect the insurance rating, as adjacent structures may be considered non-standard if they are close to doors, windows, or roof eaves. Providing clear, detailed photos of the lapa and nearby buildings helps streamline the underwriting process.
3. Thatch protection: Insurers consider fire protection measures like fire retardant chemicals, fire-fighting equipment (extinguishers, hoses, damper systems), and access to water sources such as swimming pools.
4. Other installations: Features like braais, fireplaces, and electrical systems are closely evaluated based on how they are installed, maintained, and whether they comply with regulations.
5. Fire spread prevention: In multi-unit structures, insurers consider firewalls or fire doors between sections. The absence of suitable firewalls could mean a single lapa installed by one owner affects the insurance risk of multiple units.

While adding thatch can boost a property’s aesthetic appeal and value, improper management can turn it into a financial liability. Insurers are increasingly facing losses related to thatch structures, making it more important than ever for property owners to carefully consider all factors before proceeding with such installations.