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  • FIRST POST
    • nobile
    • By nobile 30th Nov 09, 2:22 PM
    • 426Posts
    • 38Thanks
    nobile
    Leaking roof - should I contact my insurance company?
    • #1
    • 30th Nov 09, 2:22 PM
    Leaking roof - should I contact my insurance company? 30th Nov 09 at 2:22 PM
    Official MSE Insert:

    If you've arrived from Google, our Home Insurance guide may help.

    Back to the original post...


    Hi

    We've have some horrific weather (like many others) and for the 1st time, weve had a leeak.

    We saw staining on the ceiling (upstairs landing) - area getting larger

    I got into the loft - its very tricky access wise, but there are many damp spots on the loft insulation and along beams etc

    I cant see that part of the roof from outside unfortunately but it seems obvious that water has been forced through somehow (torrential rain & gale force winds) - we have tiles (not slates) on the roof.

    Lived there for 10 years with no problems - clearly cause by the recent weather.

    Can I ring my insurance company - never needed to call them out before so really unsure what to say et

    Many thanks
    Last edited by Former MSE Zorica; 05-02-2014 at 5:19 PM.
Page 1
    • nobile
    • By nobile 30th Nov 09, 7:52 PM
    • 426 Posts
    • 38 Thanks
    nobile
    • #2
    • 30th Nov 09, 7:52 PM
    • #2
    • 30th Nov 09, 7:52 PM
    Any body out there....
    • pramsay13
    • By pramsay13 11th Jan 10, 8:38 PM
    • 200 Posts
    • 703 Thanks
    pramsay13
    • #3
    • 11th Jan 10, 8:38 PM
    • #3
    • 11th Jan 10, 8:38 PM
    yes you can ring your insurance company, it's not quite the same as car insurance where every little thing is logged against you.
    In saying that though it could be caused by exceptionally bad weather and might not re-occur but if you can't find point of entry I wouldn't risk it
    • ixwood
    • By ixwood 11th Jan 10, 9:44 PM
    • 2,513 Posts
    • 1,987 Thanks
    ixwood
    • #4
    • 11th Jan 10, 9:44 PM
    • #4
    • 11th Jan 10, 9:44 PM
    Will house insurance fix a roof? If so, why would anyone ever pay to fix/maintain them? I thought stuff like that was maintenance and not covered by insurance?

    It may well be condensation, and not a leak. The many damp spots sound like it to me and there's been lots of people having similar problems.

    • pramsay13
    • By pramsay13 21st Jan 10, 12:00 PM
    • 200 Posts
    • 703 Thanks
    pramsay13
    • #5
    • 21st Jan 10, 12:00 PM
    • #5
    • 21st Jan 10, 12:00 PM
    It depends on the situation and your level of cover. I put a drill through a pipe and had water pouring out, so they sent an emergency plumber who put the water off and made a temporary repair. I then had to get a plumber to make a permanent fix, although I did it myself.
    I imagine it will be similar with the roof.
    My main point was that you can ring them to ask, that it's not the same as a car insurance call that logs anything you say and counts it against you.
    • phill99
    • By phill99 8th Feb 10, 3:11 PM
    • 7,606 Posts
    • 6,837 Thanks
    phill99
    • #6
    • 8th Feb 10, 3:11 PM
    • #6
    • 8th Feb 10, 3:11 PM
    Insurance typically covers the loss as a result of a leak, not the actual leak itself. So if a tile has become loose due to winds, then you would be responsible for getting that fixed. The insurance co would then pay for the damaged to the inside of the property. However, if the damage to the roof is severe eg caused by a storm, then they normally pay for this to be replaced.
  • ormus
    • #7
    • 26th Feb 10, 10:47 AM
    • #7
    • 26th Feb 10, 10:47 AM
    insurance does not cover wear and tear.
    one of the basic rules of insurance is that you keep the property in a good state of repair.
    (just the same as your car).
    if a storm blows your roof off you are covered.
    if your roof just leaks then no you are not covered.
    Get some gorm.
  • andy.m
    • #8
    • 21st Nov 10, 8:22 AM
    • #8
    • 21st Nov 10, 8:22 AM
    We have had an almost identical situation recently.
    There was a pretty heavy storm and the coping tile to the chimney dislodged and water came in.
    We found it when it was dripping onto the carpet.

    We are not covered for the hole, that's wear and tear.
    But we are covered for the damage to the plaster, decorations and carpet below.

    Our loss adjuster said that we could get a cash settlement for the decorations etc and use the money to fix the roof, but that they would do the internal repairs until the roof was fixed (obviously, otherwise it would go again).
    Crazy thing though, we haven't had ingress of water since even with heavy rain, so it must be when it drives in from a certain .
    Luckily I filmed the water coming in on my phone and there is evidence in the loft of water to show the assessor.

    Good luck whatever happens and don't be too down about it, houses are not airtight and waterproof so a little water (as long as you get it fixed in reasonable time) is not the end of the world.
    Sealed pot challange no: 339
    • phill99
    • By phill99 21st Nov 10, 1:38 PM
    • 7,606 Posts
    • 6,837 Thanks
    phill99
    • #9
    • 21st Nov 10, 1:38 PM
    • #9
    • 21st Nov 10, 1:38 PM
    Why have you responded to a post that is a year old? I guess thay have had it fixed now.
    Eat vegetables and fear no creditors, rather than eat duck and hide.
  • wayne77
    OK, this recent stormy weather has blown out lumps of the cement under the roof tiles at the side of our semi detached. Can I use Home Insurance to get this repaired?
    Last edited by wayne77; 04-02-2011 at 4:20 PM. Reason: Spelling.
    • missile
    • By missile 4th Feb 11, 11:27 PM
    • 8,325 Posts
    • 3,951 Thanks
    missile
    I would suggest it depend on which insurer, some are more sympathetic / generous than others.

    I called my insurers when the flashing round the boiler vent pipe sprung a leak this winter. They approved the cost of repairs and consequential damage without even coming to see the damage.
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home
  • laurel7172
    A couple of lumps of cement isn't necessarily a big job-you might find you can get a roofer to do it for less than your insurance excess.
  • MooShine
    Is my rotten roof covered by insurance?
    Long story but basically, I have a leak after some strong winds. It came in to my bathroom through the light fitting & some down the walls. When I looked up at the roof the was a tile dislodged so my brother (who is a builder by trade) had a look, He said all the wood is rotten underneath the tiles so there was nothing to attach the tile to so he's just slotted it underneath as best he can. I have building & contents with NFU but not sure if that would cover a whole new roof, although it could be classed as wear & tear I could not possibly have known. I'm not working currently, i'm in receipt of ESA so can't afford to have it done, I wondered if there were any other options available to me?
    Any help would be most appreciated. I know we are in for some high winds & rain again this weekend so I'm dreading it!
    • maninthestreet
    • By maninthestreet 26th Apr 12, 10:31 AM
    • 14,890 Posts
    • 13,133 Thanks
    maninthestreet
    It's probably only rotten in the vicinity of the leak, so a whole, new roof may not be required - what does your brother think is the minimum required work that needs to be done to repair the roof?
    "You were only supposed to blow the bl**dy doors off!!"
  • MooShine
    Thank you for the reply maninthestreet.
    My brother didn't take a good look at it, he just wedged the slate back in & said I need a new roof. I was lucky he even did that to be honest. I have some one coming Sat to give me a quote, in the mean time I now have a leak in my kitchen which has just started to drip!!
    Oh joy.......
    • savemoney
    • By savemoney 1st May 12, 7:28 PM
    • 12,738 Posts
    • 11,352 Thanks
    savemoney
    A rotten roof would indicate poor maintenance you dont get rot over a short period some insurance companies may not pay out as they claim its poor maintenance
  • slipperyshoe
    Hi. I'm pretty sure that all insurance companies only pay out for storm damage. This is classed by whether there are gusts of wind 70+ mph. If you contact your insurance company they will ask for your postcode and time when the leaks were. They will then check the Met office to see if this was the case, if so they will pay if not they won't.
  • pcrosland
    I would talk to these guy but they are geared to commercial business.

    http://www.northernalliance.co.uk/business-insurance/roofers/
    Last edited by pcrosland; 18-06-2013 at 11:48 AM.
    • dacouch
    • By dacouch 19th Apr 13, 4:36 PM
    • 19,743 Posts
    • 12,111 Thanks
    dacouch
    [QUOTE=pcrosland;60734919]I would talk to these guy but they are geared to commercial business, but they have given me quality advice for my own recommendations.

    You actually work for them you spammer
    • dacouch
    • By dacouch 23rd Apr 13, 12:45 AM
    • 19,743 Posts
    • 12,111 Thanks
    dacouch
    I used them to insure my solar business. & I recommended them... dont see a problem here.
    Originally posted by pcrosland
    Yeah right.

    Have a look through his posts, he digs up old threads and posts links to the Insurance brokers.

    Are you aware of this law "18. A wolf in sheep’s clothing
    Falsely claiming or creating the impression that the
    trader is not acting for purposes relating to his/her trade,
    business, craft or profession, or falsely representing
    oneself as a consumer
    ."

    http://www.oft.gov.uk/shared_oft/business_leaflets/cpregs/oft979.pdf
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