Does this bay window count as flat roof for insurance purposes?

fryderykchopin

When I first bought my house I declared the house as not having a flat roof, which I thought at that time to be the correct answer.

However, now that it's time to renew the policy I have done some research online and I'm confused as to whether I should declare my house as having a flat roof. The main roof is obviously not flat, however it has a less tilted area above two bay windows:



The renewal letter says in the home details: "Flat roof: None".

Should I contact the insurance company to change this before I renew my policy? I assume this will increase my premium?

I also wonder whether this could have other consequences since I have already been insured for several years and I'm asking to change this information only now.

DullGreyGuy

fryderykchopin said:

Should I contact the insurance company to change this before I renew my policy? I assume this will increase my premium?

I also wonder whether this could have other consequences since I have already been insured for several years and I'm asking to change this information only now.

Unless you want a future fight it is probably worth speaking to your insurer to get their opinion on if it's declarable or not. We have a weird wave shaped roof on our block of flats made of metal but then has cut outs for the upper floor flat's roof terraces so never sure if its metal, metal and concrete, I assume the roof terraces count as flat roof sections but not 100% sure if the roof itself actually gets to totally flat at any point or is just off flat. 

It's likely to increase premiums slightly though shouldn't be that much given the low percentage. 

In principle the adjustment should be made to prior years too as they were more exposed than your let them know about but in most cases companies are not that bothered or at most will put it back a year.

fryderykchopin

DullGreyGuy said:

fryderykchopin said:

Should I contact the insurance company to change this before I renew my policy? I assume this will increase my premium?

I also wonder whether this could have other consequences since I have already been insured for several years and I'm asking to change this information only now.

Unless you want a future fight it is probably worth speaking to your insurer to get their opinion on if it's declarable or not. We have a weird wave shaped roof on our block of flats made of metal but then has cut outs for the upper floor flat's roof terraces so never sure if its metal, metal and concrete, I assume the roof terraces count as flat roof sections but not 100% sure if the roof itself actually gets to totally flat at any point or is just off flat. 

It's likely to increase premiums slightly though shouldn't be that much given the low percentage. 

In principle the adjustment should be made to prior years too as they were more exposed than your let them know about but in most cases companies are not that bothered or at most will put it back a year.

That's helpful, thank you.