Cladding tile fell off

Norfolk_Jim

Any advise please

A single cladding tile has fallen off my loft extension on the third floor of my terraced house. It is just the 1 tile about 8x8 inches.

To get up there is difficult as it is part way up the roof.

For 1 tile I suspect it could be quite expensive to get someone in to replace it. I don't fancy tackling it myself as one slip and its a long way down.

I've no idea where to get such a tile from to replace it with and the last time I had a roofer come to fix a leak in the roof I ended up (still) paying £500

So is this something I could get repaired on insurance or is it just general wear and tear and the sort of thing I'm expected to do myself as just part of general upkeep? I'm pretty sure it came off due to wind; I don't see how else it would.

forgotmyname

Probably comes under maintenance wear and tear, What caused it to come off?

Did something hit the roof?

With the risk of increased premiums it maybe better to just get it sorted yourself anyway.

Quentin

If it's storm damage it will usually be covered.

They do usually check the wind speeds before agreeing a claim for storm damage.

Might be best to get a quote from a local before mentioning this to your insurer (once mentioned it will have to be disclosed as a loss for years even if you don't get a claim out of it, and your premium will get weighted)

InsideInsurance

Unless you have a top end policy then it'll be an insured perils basis and so you have to prove that something that your policy covers has occurred that resulted in that damage. The most obvious one is storm but they will check with the Met Office to see if there was an actual storm at the time.

When you take into account your excess and the impact on your premiums for the next 3-5 years I'd be surprised if it was cost effective to claim for a single tile.

Of cause if you call your insurers even to check it then becomes reportable for the next 3-5 years. Technically it should be mentioned any as an "incident" but in reality the majority of people who deal with these minor items themselves "forget" to mention.

Norfolk_Jim

forgotmyname wrote: »

Probably comes under maintenance wear and tear, What caused it to come off?

Did something hit the roof?

With the risk of increased premiums it maybe better to just get it sorted yourself anyway.

I don't know why it came off. I came out one morning and it was on the floor in pieces. Just glad it didn't fall on someones head.

Thanks for the feedback everybodypeeps - looks like another bill for me

huckster

Norfolk_Jim wrote: »

I don't know why it came off. I came out one morning and it was on the floor in pieces. Just glad it didn't fall on someones head.

Thanks for the feedback everybodypeeps - looks like another bill for me

You are going to have to get the other tiles checked anyway, just in case they are lose. If you just left it for months without doing anything, I am not sure you Insurers would be happy, if another tile fell and hit someone on the head.

If these tiles are concreted on, it may be that the concrete has just weathered causing the tile to lose its adhesion to the concrete.