It's not how homes have normally been constructed in the UK. We have a few ancient wattle and daub houses which are no doubt hell to insure, but anything Victor

It's not how homes have normally been constructed in the UK. We have a few ancient wattle and daub houses which are no doubt hell to insure, but anything Victorian and newer was generally brick-built or concrete other than some prefabs from the inter-war period which are definitely hell to mortgage or insure. Modern timber-based construction methods are completely different from all those things.