Shopping for Flat Roof Insurance

Aug 13

Shopping for Flat Roof Insurance

Shopping for flat roof insurance is frustrating for many homeowners because so many home insurers either don’t offer or limit the cover.

As a result, specialist brokers and firms service the market, but they are not always easy to find.

To help, here are some common questions about flat roof insurance answered:

What is a flat roof?

This may seem obvious, but to many buildings insurance companies, a flat roof is any roof with a pitch of less than 30 degrees.  In some cases, the pitch can go down to 20 degrees.

The pitch is the angle between horizontal and the angle of the tiles.

Do construction materials make a difference?

Yes. But this should be decided by building control. Tile overlap and materials are different for lower pitch roofs to prevent water blowing between the tiles.

Flat roofs can be pitch and felt over marine plywood or a range of synthetic membranes.

Different materials have varying lifespans and resistance to water.

Only my extension has a flat roof

Still tell the insurer as they may want extra information about the size, construction method and condition of the roof.

Will an insurer cover damage to the contents from a leaking flat roof?

No. You should take out a contents insurance policy for this and make sure the insurer does not exempt this damage or charge a higher excess.

What questions do I need to ask an insurer about flat roofs?

You need to ask several questions:

What is the minimum roof pitch covered by the policy?

Does cover include leaks?

Does the policy include special terms or charges?

Does flat roof insurance cover wear-and-tear?

No. Any buildings insurance is designed to pay out for an incident that causes damage to your property, like a storm.

Snow is a problem for flat roofs. Sometimes snow builds up and the weight damages the frame supporting the roof, but many insurers will not cover this because the damage was not cause by high winds or rain but an accumulation of snow over a period of time.

Where do I buy flat roof insurance?

Try an independent insurance broker or a specialist insurance company.