Insurance for houses with flat roofs.

A.L.D.A

This is to ask for help and a warning.



Firstly does anyone know of an insurance company that insures a house where a substantial percentage of the house has a flat roof?


I am not a great fan of flat roofs, but often there is no practical alternative, or they are necessary due to some constraint imposed by the Planning Service. It would appear that many insurance companies no longer insure houses with large areas of flat roof. So if you are extending or altering your house, it is worth keeping in mind that you may have all your statutory approvals, but on completion you may have difficulty insuring.

Golden_Anemone

Can I ask where you heard this?

Sorry, also meant to say my buildings insurance is with Aviva and I live in a bungalow with a dormer conversion and a flat roofed extension for my utility room meaning a substantial portion of my roof area is flat roof. I don't recall any issue being raised about it.

bingo_bango

I have had no problems with insurance in the past, and I have ~30% flat roof. Actually just took up a new quote today from Swinton (underwritten by Axa) which was less than half of the £400.56 that Tesco quoted for renewal :rotfl:

Flat roof declared in the new quote and not an issue.

A.L.D.A

From a client.

They extended their house, flat roof, not much alternative due to shape of it and blocking windows etc. Apparently could not renew their insurance due to the percentage of flat roof to the overall. Obviously some companies must insure as I can think of houses that have 100% flat roofs.

So question is which insurance companies, and is there a premium. The roof system used has a 15 year guarantee and will last a lot longer. Never come across it before.

There was a similar problems at one stage with composite panels in industrial buildings.

I find it very odd.

A.L.D.A

Thanks, now sorted. Apparently [FONT=&quot] Halifax and Hughes both refused to insure. One to keep an eye on.
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mcool

hi i have never had any bother with insur..do u mean the hse.or ext

A.L.D.A

McCool it was the house and the reason for refusal was the percentage of flat roof of the overall house. I have never come across this before so posted. Anyway it is now sorted.