The age of your home isn’t only a matter of interest to you and your family. It’s something potential home insurance companies want to know about as well. This is because the age of a property has some bearing on the insurance costs they’ll attach to your new home. Let’s take a look.
The age of your house could have a bearing on the cost of your home insurance
Older properties and those in conservation areas may be subject to planning restrictions. This could affect what and how you can undertake home improvements, alterations or repairs.
There are numerous ways to establish when your home was built, from the Land Registry to title deeds.
Don’t just rely on the internet. If you’re struggling to find out the age of your home, ask neighbours, estate agents and visit your local library or town hall.
Ensure you’re accurate about the age of your home when applying for buildings and contents insurance. If in doubt, call your insurer to discuss any concerns you have.
As with pretty-much everything else, the older something is the more likely it’s affected by the ravages of time. Wind, rain, heat and cold, movement and settlement and over enthusiastic DIY experiments can all take their toll on bricks and mortar. These are among the things home insurers consider when setting insurance costs.
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What year was my house built in?
On the face of it, finding out how old your house is could be quite difficult.
If you take a leisurely stroll around your neighbourhood the chances are you’ll come across rows of properties that were clearly all constructed at the same time. And then there’s one or two that stick out like a sore thumb, clearly from a different time.
But even those identical properties may hide a secret. If a property was destroyed, builders may have been brought in to recreate the look of the old place, to ensure it’s in keeping with its surroundings.
It’s for these reasons that relying on word of mouth, perhaps a chat with the person living next door isn’t always enough. Instead, it’s best to do a little digging to ensure you know when your house was built.
Fortunately, there’s no shortage of reliable sources to plunder for a definitive answer to the question ‘how old is my house?’.
How to find out when a house was built through HM Land Registry
HM Land Registry is typically one of the first ports of call for anyone seeking to establish when their home was built. However, it’s not a failsafe-safe option because the Land Registry retains records of ownership of land in England and Wales, not necessarily what’s been built there.
That said, it’s worth using the HM Land Registry search tool to find out what the resource knows about your property, especially if it’s not too ancient. In many cases land changed hands for the express purpose of building a property or an estate. Copies of title registers or title plans for specific properties cost £3.
What other ways can I find out when a property was built?
No one organisation has a monopoly on houses and their date or origin. In fact, the potential sources you could draw on are varied and, in some cases, surprising. Here are some of the main ones to check out:
Previous owners: Ask the incumbent owners whether they’ve any survey results or other information that pinpoints when the property was built. They should have title deeds, which should reveal when the property was built.
Building materials: If you live in a particular part of the country, you might notice that the materials used to construct properties are constructed using the same stone or brick. If yours stands out, it’s probably a relatively new addition.
Architectural clues: High ceilings, lead-cut windows, picture rails and other original features, such as an outhouse or fireplaces can provide clues to the age of a property.
Local estate agents: It’s worth contacting estate agents operating in the area as they may know when your property was built.
What’s classified as an old house?
The UK has its fair share of old houses, but for the sake of convenience houses tend only to be considered ‘old’ if they were constructed before 1940. More often than not, they’re referred to in more helpful terms, typically in relation to the period in history they were built.
Unless you live in a castle, the odds are your home falls into one of the following categories:
Tudor (1485 – 1603): Typically constructed from timber and brick, the latter covered with white-painted wattle, Tudor properties are quite distinctive. The upper floor often juts out over the ground floor. Windows tend to be small, as glass was an expensive commodity.
Regency or Jacobean (1604 – 1713): Another bold style, in this case flat-fronted, bare brick majestic properties often with hints of the gothic style about the windows and doors.
Georgian (1714 – 1820): Tall, rectangular sash windows, symmetrically placed either side of a central front door. Georgian homes are notable for the sense of space, and of wealth, reflecting the prosperity of the times. Expect to find large fireplaces dominating rooms.
Victorian: (1837 – 1901): Most established towns, villages and of course cities have streets and streets of these well-built, coloured brickwork properties with sloping, rather than flat roofs. Bay windows, inside toilets and high ceilings are all tell-tale signs.
Edwardian (1901 – 1914): King Edward VII died in 1910, but the period to which he lent his name is usually considered to cover properties up to the start of the First World War. Homes of this period are squatter than the taller, more elegant Victorian houses. They feature balconies, ornate balustrades and porches, with wide halls and dual-aspect rooms.
Post WW1 homes
The Great War put a hold on stylistic change, but as the country recovered, various trends took hold, including art deco in the 1920s and early 1930s. The bare brick or pebble-dashed semi-detached family home, with large bay windows became the norm.
How do I find out the age of older properties?
There are several useful resources to draw on if you’re keen to find out when an older house was built. These Include:
Maps: Ordnance Survey and local authority maps may identify your home or road. Historical ones could narrow down the time period when the property was built.
Census returns: The UK public has been asked about where they live, and how many people reside in their home since the Doomsday Book was written in 1086. But it was only in the 19th century that the regular 10-year census began. This is a useful record if you live in older properties. The 1921 census has recently been made available - for a small fee you can look up details of your home from that time.
Local history: Your local library, or perhaps town museum may contain archive newspaper reports or town plans that show when your home was constructed.
Fire insurance maps: The British Library holds a comprehensive collection of historic fire insurance maps, detailing roads in urban areas.
Why is it helpful to know when my house was built?
The age of your property is less of an issue if it’s relatively new, say, built in the last 40 years. However, it’s important to establish when your home was built if it’s any older. Its history could dictate whether you’d be able to make alterations, such as putting in an extension or knocking through a wall.
This would certainly be important to know if you live in a conservation area or your home’s listed. Even if you don’t intend to give your home a facelift, you could fall foul of regulations if you repair damage caused by storms, flooding, or even wear and tear.
You may find you need to source specific materials, such as bricks of the right age, colour and type. It’s far better to know this upfront, rather than pay for amendments only to be ordered to remove them at a later date.
On a more practical level, knowing the age of your home can come in handy if you need to replace or repair structural elements of the home, such as period roof tiles. Providing a seller with an accurate description of what you need can go a long way to ensuring you don’t end up with the wrong product or service.
For some, knowing the history of their home only adds to its charm. Finding out that your home was once owned by a Victorian mining family, or a Tudor aristocrat, may help in selling it down the line.
Are older properties more expensive to insure?
Older properties can sometimes prove more expensive to insure, because wear and tear invariably takes its toll. Wiring, plumbing, plaster, insulation and windows all tend to have a limited lifespan. Replacing them can be more costly than would be the case with a modern home.
This could be due to the need to excavate behind walls or under floorboards – and make good in a way that doesn’t betray the work.
Where damage is done to something visible, the need to make the repair invisible, or indistinguishable from its surroundings can prove relatively expensive. Rather than pop down to the local DIY shop, the solution, such as period bricks, tiles and so on, might involve hiring a specialist tradesperson.
For example, tending to a new thatched roof or repairing a damaged, Victorian handrail could require expert attention that your home insurance would cover.