Flat Roof Home Insurance

Cover specifically designed for flat roof homes.

  • Property and Home Magazines’ ‘Best Buy’ in 2015
  • Alternative accommodation if your home becomes uninhabitable
  • Cover for various constructions including asphalt, felt, glass and timber frames

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Got a special request? Our team are just a phone call away

0344 892 1750
0344 892 1750

We’re here for you Weekdays 9am - 7pm, Sat 9am - 1pm

Norman in his dressing gown
Hercule

With a limited lifespan and a tendency for leaks, getting flat roof insurance can be difficult but not with Towergate:

24 hour home care emergency assistance

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 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.

Alternative accommodation

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.

Tracing and accessing leaks

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 contents

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

Flat Roof Home Insurance Claims

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.

Need to make a claim?

Give us a call today and we’ll help to support you through the first steps:

01708 777 710

We're here to help 8.30am-5.30pm Mon-Fri.

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Flat Roof Home Insurance FAQs

Why do I need a flat roof policy instead of a standard home insurance policy?

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.

Does it matter what percentage of my roof is flat?

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.

Can you cover asbestos roofs?

Unfortunately we can’t cover asbestos roofs at this time.

Can you cover my property if it is listed?

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.

I live in a mobile home with a flat roof, can you insure me?

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.

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