Flat Roof Home Insurance
Property insurance for properties with flat roofs, which can cover second homes such as weekend or weekday homes.
Flat Roof Home Insurance
Property insurance for properties with flat roofs, which can cover second homes such as weekend or weekday homes.
About Flat Roof Home Insurance
Friendly specialist property insurance team
We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available weekdays between 9am - 5:30pm.
Outdoor contents cover
Contents includes outdoor accessories such as inflatable hot tubs, garden furniture and BBQs
24-hour flat roof claims helpline
There is a 24-hour claims helpline available so you can report your claim as soon as it happens. Once you’ve reported a claim, the team will aim to call you back within 24 hours* to take you through the next steps.
Spread the cost
You can spread the cost of your flat roof property insurance over monthly direct debit instalments
Features of Flat Roof Home Insurance
Standard cover
Alternative accommodation cover
Should the worse happen and your flat roof property become uninhabitable our policy can help towards covering the cost of getting you comfortable and safe.
Contents cover
This policy provides content cover up to £100,000. You must lock all of your doors and windows when you leave the home for this cover to remain valid.
Accidental damage cover for flat roofs
We can add optional accidental damage cover for your building contents. This also applies when you rent the property out to guests.
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.
Additional cover
Homecare emergency available
You can add homecare emergency cover to your policy which gives you access to a 24-hour helpline.
Flat Roof Home Insurance FAQs
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Why do I need a flat roof insurance policy instead of a standard home insurance policy?
Why do I need a flat roof insurance 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. Our policy can provide cover for flat roof homes and cater for the risks associated with the construction.
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Does it matter what percentage of my roof is flat?
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.
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Can you cover asbestos roofs?
Can you cover asbestos roofs?
We can consider a roof that is constructed from asbestos providing it does not exceed 49% of the total roof. This can be considered on referral to our Specialist Property team.
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Can you cover my rubber membranes flat roof?
Can you cover my rubber membranes flat roof?
Yes, we can cover various types of flat roof, including rubber membranes flat roofs.
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I live in a mobile home with a flat roof, can you insure me?
I live in a mobile home with a flat roof, can you insure me?
We have policies designed specifically for park homes and mobile homes so it’s worth talking to our team in Cheltenham for cover.
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Are there any exclusions?
Are there any exclusions?
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the Insurance Product Information Document and policy wording, which are available during the quotation process.
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How can I pay for my premium?
How can I pay for my premium?
You can pay by credit card, debit card or monthly direct debit.
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Where can I find full details of my policy?
Where can I find full details of my policy?
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
How do I make a claim?
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
Call the claims team
on 0345 074 4760 and explain exactly what happened
Provide photos if requested
to help us understand what happened as quickly as we can
