As of early 2026, UK churches and heritage custodians are facing significantly higher church repair costs after the end of the Listed Places of Worship Grant Scheme. Repair, maintenance and roof works are now subject to VAT at the full 20% standard rate, while only a narrow range of new, detached charitable buildings still qualifies for zero-rating. The government’s replacement £230 million funding package provides some support, but it no longer offsets VAT directly in the sa

UK homeowners are often surprised when a home insurance claim is rejected, but insurers can decline cover where damage is linked to wear and tear, gradual deterioration or poor maintenance. Recent FCA (Financial Conduct Authority) linked commentary shows this remains a common issue in home insurance, particularly where policy wording is unclear or the cause of damage is disputed. The key point is that insurers usually pay for sudden, insured events - not problems that build u