When a building is listed, this means that the building has special architectural and historic interest.
There are different classes of listing:
- Grade I – these are buildings of exceptional interest.
- Grade II* – these are buildings which have more than special interest.
- Grade II – these are the most common buildings which are of special interest. Most commonly a listing for a homeowner.
In order to make changes to a listed building, which include altering or extending in a manner which would affect its character, you must go through the planning authority to obtain listed building consent.
You can check whether your property is listed through viewing the National Heritage List for England.
In what circumstances is the product needed?
If there have been works carried out to a listed building without the appropriate consent, an insurance policy can be taken out.
Cover is assessed taking into consideration the extent of the works previously carried out and when these were completed. Cover can be considered for both minor works (i.e. replacement windows) and more extensive works (i.e. extensions). Cover is available for both internal and external works.
The insurance is designed to help your property transaction proceed by providing an alternative to contacting the local authority for retrospective consent.
Risks Covered: The cost of defending enforcement action, the expense of complying with enforcement action, including the cost of demolishing, altering or reinstating any part of the property, loss in market value following enforcement action. Properties are not covered if left vacant for more than 30 days, unoccupied property insurance should be taken out alongside.