Insurers will normally impose special terms for fire insurance on properties with thatched. It is advisable to check that full fire cover is available with an insurer acceptable to the lender before proceeding.

a house roof made with a plant material (as straw)

A method of roofing a building using a natural straw/reed material which is by nature both perishable over time and flammable. As a result, most insurers will place special terms on policies, mostly regarding fire.