Why do insurers usually request a survey for a country mansion?

Insurers typically request a survey for a country mansion primarily to establish timber construction for fire risk. This type of property often has unique features and uses specific materials that require careful consideration regarding their susceptibility to fire. Timber, if used in significant structural capacity, can increase the risk profile of the property significantly. A survey provides the insurer valuable insights into the building's materials and construction methods, allowing them to assess potential fire hazards accurately. Additionally, understanding the structural risks can aid in determining appropriate coverage levels and pricing for the insurance policy.

While assessing market value and checking historical claims can be important in some contexts, they do not specifically address the unique risks linked to the construction materials of a country mansion. Evaluating garden space might be relevant for determining overall property value but is generally less critical from a risk assessment perspective compared to the implications of timber construction on fire risk.