Calculation of Flat Roof - Garage Roof

Close_Saver

I live in a linked detached house. Our brick built garage is attached to our house. The garage has a flat roof. Our central heating boiler is in the garage together with a tumble drier. That part of the garage is accessed without going outside.

When calculating the area of flat roof for house insurance purposes, should the area of flat roof over the garage be added to the area of flat roof over the kitchen extension, please?

Spikey1

Yes....you should provide the total area.:)

NewFolder

Yes, definitely.

They usually specifically say include outbuildings, so in that case you should include any flat roofs on your land, including those on outbuildings that aren't attached to the main house.

Close_Saver

Thanks for you replies, although it wasn't what I hoped to be told.

It can make quite a difference as a garage flat roof for a fairly small dwelling which also has a flat roofed kitchen extension can be such a large proportion of the total area, that some insurance companies on some comparison web sites will not give a quote.

Yet when completing building details on another comparison web sites, the proportion of the flat roof area wasn't asked for.

NewFolder

Dave_Steels wrote: »

Thanks for you replies, although it wasn't what I hoped to be told.

It can make quite a difference as a garage flat roof for a fairly small dwelling which also has a flat roofed kitchen extension can be such a large proportion of the total area, that some insurance companies on some comparison web sites will not give a quote.

Yet when completing building details on another comparison web sites, the proportion of the flat roof area wasn't asked for.

You have to be careful with comparison sites - before you purchase a policy from one, check on the insurer's site that all the details are correct. I've had details passed between comparison site to insurer incorrectly before, and almost bought a policy that according to the comparison site had zero excess, but in actual fact had £600.

If the comparison site doesn't ask, then it's probably just assuming that the answer is no, which it may or may not tell you in the assumptions, this is why it's essential to check the details with the insurer first.

The easiest thing to do in your case is to 'lie' to the comparison site, just so it will give you some quotes, and then phone the potential insurers to tell them about the roof situation, and see what they say about it. Don't be tempted to buy the policy without telling them though!

*Scarlett

I agree with the above.

Get your q's online and then ring any potential insurer. Explain the flat roof %. Some will want to know about attached garages, others don't. It will also help if you know what the construction of the roof is and possibly when it was last renewed / maintained etc.

As always make a note of time, date, who you spoke to etc incase you need to refer back to a recorded call.