Home insurance

Pembo55

Hi all

I have just had a few problems with my roof fixed few loose slates rebedded and some pointing done. The roofer said this will be fine for a while but the roof needs replacing soon as it is old and slightly 'twisted'. So I'm thinking of a new roof around £2500 sadly but someone has mentioned phoning my insurers up and they may cover the costs or at least contribute. Does anyone know how I go about finding this out if they will?

Thank you in advance
Tom

InsideInsurance

More likely you will find it will invalidate your insurance for any claims relating to your roof until it is replaced as your policy will have a good maintenance clause.

Almost all home insurance policies cover you for one off acute events that are caused by perils. So if your builder says the storm last week caused the twisting and your insurers inspector agrees then it would be covered. If it is a matter of age, gradual effect of time, wear and tear etc then these are not covered as they are maintenance.

VictorM_2

Your insurer will cover you for sudden and unforeseen perils like storm. Your roof getting old then twisting is a gradually operating cause that is just part of the maintenance of the house which will not be covered by insurance.

It is just like if your car got too old and broke down you wouldn't call your car insurers for a new one. It is the same principle.

VictorM_2

Damn you InsideInsurance *shakes fist*

InsideInsurance

Got to be quicker than that VictorM