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If your home has a large flat roof then many insurers will not want to cover it. But PolicyCastle’s panel of insurers wants to protect specialist risks, and does cover homes with flat roofs.
What is the problem with flat roofs?
Flat roofs may be more likely to leak than pitched (sloping) roofs, causing damage to your home.
Flat roofs can suffer from pooling of water that can cause damp in your home.
Flat roofs can make it easier for your home to be broken into if burglars can climb onto the flat roof and then enter your home through an upstairs window.
Techniques for laying a flat roof have improved a lot in the last decade, and a new flat roof can now be expected to last for more than 20 years, but previously that wasn’t the case.
As a result some home insurers don’t want to cover homes with large flat roofs, so specialist insurance cover is required.
What is the definition of a flat roof?
A flat roof is defined as one with less than a slope of 10 degrees or less. If you are not sure if your roof is flat, a qualified surveyor may be able to assess it for you.
Home insurers want to know how much of your roof is flat as a proportion of your whole roof. If the flat roof is less than 30% of the total, then standard home insurance will cover it.
For your online quote, try to work out how much of your roof is flat, as a percentage of the total roof. Insurers typically want to know if the percentage is below 30%, between 30% and 50%, or over 50%.
Insurers may want to know what the roof is made from, and when the property was built. If the flat roof was built as part of an extension after the main structure of your home was built, then the date when the original building was built is the one to give.
As with the rest of your home, catching a problem early can prevent major damage occurring. Try to look at your flat roof from time to time after it has been raining to check if water is pooling, and look at the ceiling under the flat roof for any signs of damp. Inspections by an expert are advisable, and if an inspection is made then keep the inspection document you are given – this will show your insurer that you have kept your property in a good state of repair.
It is important to use your flat roof in the way it has been designed – if you want to use your flat roof as a terrace then make sure the surface installed is tough enough to withstand footfall and any furniture placed on it, and that the railings don’t damage it.
Want to learn more?
If you would like further information regarding the PolicyCastle flat roof insurance, please fill in your details below and a member of our team will be in contact.
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