flat roof insurance

kathcoalbag

We are looking for insurance and I have been on confused.com looking for building and contents for Dormer bungalow with over 90 percent flat roof. We are really struggling please advise.:(

caliew

Hi,
I have worked in insurance for a number of years with regards to a flat roof the only suggestion I can make is fill out the form on the comparison sites for your insurance and when the quotes come up contact the company you want to go with direct on the phone or in a webchat and ask if they cover your roof or put you in contact with an underwriter that does, unfortunately I cannot recommend and individual company because I don't want to sway you in the direction of an underwriter and they let you down in a claim situation, but there are specialist departments/underwriters out there who can help. Maybe type in a search engine one that deals with listed buildings as they might also specialise in rare properties, even though your property may not have a grade listing (more for heritage properties) the underwriters tend to be specialist and deal with out of the norm properties so they might be able to come up with a solution. Hope this helps

EdGasket

Flat roofs are an ongoing expense and insurers expect them to leak after 10 years and say its just wear and tear. It's worth getting hte accidental cover because that will at least pay for internal repairs; at least that's what LV told me; they wouldn't pay for a flat roof repair but would pay for internal redecoration (never mind if the roof still leaks I guess).

huckster

Go to a large brokers like Towergate and they will have several companies they use for such risks. In some parts of the country flat roofs like this are very common.

Given that this is a greater ongoing maintenance issue, have you looked at what roofing options you have. It might pay to have a pitched roof put up, if this is affordable.

Sally_A

The square footage of our flat roof was just too large (by a smidge) for Aviva, without them adding various OTT policy conditions.

I switched to AXA who were far more accommodating.

Went via the broker I work for, they understood the flat roof was over a single storey extension, electrics 2 ft above floor level - worst case scanario would be 7 x 5m laminate + blown plasterboard avec decorating.