Flat Roof Home Insurance

Property insurance for properties with flat roofs, which can cover second homes such as weekend or weekday homes.

0344 892 1750

Weekdays 9:00am - 5:30pm

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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.

Direct Debit

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


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.


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?


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.


Can you cover my rubber membranes flat roof?


Yes, we can cover various types of flat roof, including rubber membranes flat roofs.


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.


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.


How can I pay for my premium?


You can pay by credit card, debit card or monthly direct debit.


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

Relaxed Person Making Claim