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What does flat roof insurance cover?
When an insured peril like a break-in or burst pipe causes damage to your home, the most important action we can take is to prevent further damage. That’s why our flat buildings insurance policy gives you the option to add a 24 hour contact number for home emergencies, so you can call and have someone carry out repairs or secure the property straight away. Please be aware that if the property is unoccupied for more than 30 days cover will not apply, please contact the team if this is the case.
If worst comes to worse and you can no longer stay in your home due to damage, our cover will support you to stay in alternative accommodation while repairs are carried out. You’re covered for up to 20% of your total sum insured towards your stay but only if damage leaves the home uninhabitable. Please check with us to make sure you qualify for this cover before paying for your accommodation.
We cover up to £5000 if there is a leak from water tanks, pipes or fixed heating systems which is causing damage in the home. We will also pay the reasonable costs for removing and replacing any other part of the building necessary to find and repair the source of the leak. As it’s a common problem among flat roofed properties, we do ask you to have an inspection carried out on your home every eight years to identify any issues.
Your home holds your life’s possessions so it’s worth having a good think about the total value of the contents you’d like to insure as well as any valuables you might like to cover in addition. Items which are hard to replace like-for-like and more valuable items, should be specified on your policy so it’s best to discuss the details of these with an advisor. We do not cover wear and tear or mechanical breakdown of any of your contents.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Our claims team are experienced in helping customers who need to make property claims. You are able to report your claim 24 hours a day 365 days a year to get the ball rolling as soon as possible.
Just note, if reported over a weekend or during bank holidays, we’ll get back to you with the next steps on the next business day.
You also have control of how you would like your claim to progress, you can source your own contractors to carry out repairs or if you prefer, we can contact someone from our approved network of suppliers and repairers.
It’s helpful for the team if you have as much information available as possible when you call and photographs are particularly helpful so please provide some if you can.
Give us a call today and we’ll help to support you through the first steps:
We're here to help 8.30am-5.30pm Mon-Fri.
Get tips and advice from our industry experts to ensure you get the best out of your home insurance for flat roofs.
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A flat roof has a shorter life span than a tiled roof, and as a result they are more prone to leaking. As a result, some insurers who provide standard home insurance may exclude properties constructed with a flat roof or provide limited cover for claims like leaks. A policy designed specifically for flat roof homes will cater for the risks associated with the construction.
What’s more important to us is the state of repair of the roof. We will need to know roughly how much of your roof is flat but we can usually accommodate for any percentage.
Unfortunately we can’t cover asbestos roofs at this time.
We can also cover listed properties but as it’s a slightly more complicated risk, it’s worth speaking to the team to establish policy cover that suits your needs. For more on listed property insurance click here.
We actually have policies designed specifically for park homes and mobile homes so it’s worth talking to our team in Cheltenham for cover. You can check out the policy online here.
You can pay by credit card or monthly direct debit. The charge for paying by credit card is £5 if the premium is less than £5000, and 2% of the total premium if £5000 or more.