Insuring a flat-roof property

koalagirlbev

Hi,

Our house has a solid concrete flat roof and I am finding it almost impossible to find an insurer who will provide buildings insurance.
I am currently insured with Aviva, however, I would like to know if any other forum users have suggestions / experience of insuring a property with a flat roof as I would like to be able to shop around to see if the price is reasonable.

Many thanks for any suggestions!

csgohan4

you could try a broker to see if they can find one for you

Effervescent

I have been with Churchill for years but theyve just put my premium up by £93 so trying to find someone else. Have been with direct line before. My roof is 100% flat felt on timber

PrivateClients

I'd say contact a local broker for some more guidance but I don't think it's a huge problem to place cover for 100% flat roof properties any more. Especially so because you are concrete rather than felt.

If I were you I'd run some dummy quotes on price comparison declaring the property 0% flat but with a concrete roof, then just start calling down the list of insurers and asking if they'd still quote knowing it's 100% flat. Some insurers rate a flat concrete roof as standard construction so you should find one soon enough and are genuinely shopping around rather than relying on the names of one or two insurers that people may recommend.

When you do find a quote, look out for roof inspection terms on some policies which require you to have a roofer inspect your roof every 3/5/7 years (as an example) and carry out any remedial works. These terms are often inappropriate for a concrete roof and are a bit onerous generally.