It's pouring down and my roof is leaking - does insurance cover it?

aliasojo

I've waded through the policy booklet but see no mention of roofs. We have the standard buildings insurance, no add-ons like a home repair scheme or accidental buildings etc.

It's been chucking it down here today but not stormy. I suspect it's wear and tear but I really don't know.

I wished I'd taken out every flipping cover they'd offered now. Think it's too late?

If the insurance wont cover it, any ball park figures on roof repair?

geri1965_2

You can't get cover for wear and tear.

It could cost anything from a couple of hundred to several thousand to fix, it depends what's wrong with it. Hopefully it will just be a tile loose or something.

McKneff

If its wear and tear it wont be covered.

I dont think you would have been able to buy cover for wear and tear.

No one could give you a ball park figure, depends on the extent of the repair.
It culd be just a misplaced roof tile but then again it could be ...........well, anthing.

You really need to get a builder in to have a look.

Could you get into the loft to see where it is, that would be a start.

SailorSam

Go and stand the other side of the road and see can you see any slates missing.
If it's been windy by you, you may be lucky and be able to call it storm damage, which most policies cover.

aliasojo

I've been in the loft, that's how I saw the water. It seems to be one truss in particular that is in the problem area. Between the trusses seems dry, it's where the roofing felt passes over this one truss that's wet. The whole length of the truss seems wet if you poke your finger between the timber and the felt. The water drips off and pools near the bottom of it.

Edit..it hasn't been windy at all and from what I can see, there are no slates missing. I feel a bit sick. We've been refurbing lately and all our money is just about gone now on new bathroom/kitchen/floor etc. No way can we pay for a new roof.

*Considers begging as a new career move*

timmmers

Don't go thnking it's a new roof ...it's likely to be much more minor...water gets in a small gap and after that it can look so much worse than it is, it may be just a slate and 50 quid to fix.

Depending how old you are ...pesnioners can get a decent job done via Care and repair /Age concern .

Get e few quotes whatever the problem is, and don't help the guy bump up the cost by telling him how bad it is :rotfl: he wil be capable enough of that on his own.

t

aliasojo

timmmers wrote: »

Don't go thnking it's a new roof ...it's likely to be much more minor...water gets in a small gap and after that it can look so much worse than it is, it may be just a slate and 50 quid to fix.

Depending how old you are ...pesnioners can get a decent job done via Care and repair /Age concern .

Get e few quotes whatever the problem is, and don't help the guy bump up the cost by telling him how bad it is :rotfl: he wil be capable enough of that on his own.

t

Hey I'm not adverse to a bit of stage make up and a grey wig. Although I might feel like a pensioner sometimes, I'm a long way off yet. Unfortunately, in this case.

I've just texted my plumber to see if he knows of a decent roofer. Really good tradesmen are scarce round these parts. :rolleyes:

cjgoodsell

Have you got any form of Home Emergency cover? The reason why I ask this is because sometimes they have a "non-emergency" helpline where they could get you intouch with an approved tradesman on their panel then at least you know you got a decent tradesman.

On the repair get a quote and found out the possible cause of it speak to the insurer. If its just "wear and tear" like others have said its not covered!

aliasojo

No, no emergency cover. I've got the name of one roofer so I'll call him first thing tomorrow in the first instance and see what his opinion is.

Sunnyday

You could give these a try

www.ratedpeople.com/

I used this site for quotes for my pointing, i had no idea where to start looking and best of all it`s free.

HTH

SD

Danzo20

aliasojo wrote: »

I've waded through the policy booklet but see no mention of roofs. We have the standard buildings insurance, no add-ons like a home repair scheme or accidental buildings etc.

It's been chucking it down here today but not stormy. I suspect it's wear and tear but I really don't know.

I wished I'd taken out every flipping cover they'd offered now. Think it's too late?

If the insurance wont cover it, any ball park figures on roof repair?

Someone has suggested trying Rated People. My experience of them was not a good one as when I tried to rate my tradesperson negatively as they had done such a bad job I was told by Rated People I had to change what I had written about the company even though what I had said appeared to be within the rules. What I had written was a true and fair account of the job they had carried out and if I change what I have written it would be false so I wonder if Rated People just don't like negative comments about their tradespeople even if they are accurate.