Problems getting flat roof house insurance? Then you must read this flat roof insurance article

There is a general perception in the U.K that flat or level roofs will always create problems. Whilst there are many cases where problems arise, these can be avoided if you are planning to build a house or an extension that has such a roof. Risks of associated roof issues can be mitigated through ensuring a sound construction and through the choice of materials used to build, insulate and seal the flat or level roof.

If you have purchased a house that has a level roof then you may have already experienced some issues in attempting to attain suitable home insurance. Generally standard insurers will advise that they do not provide flat roof house insurance as part of a standard policy. More on this later.

If you have experienced problems with your current level roof from water leaks, often this can be difficult to diagnose, in terms of where the source of the leak is. Many UK flat and level roofs are built too flat and with no small incline and with the incorrect materials for the structure. This often results in sagging of the roof in the middle under the weight of the water which will quickly lead to pooling and eventually water will find its way through even the smallest structural imperfection.

Mainstream and standard insurers will often apply a much higher risk factor to this type of roof resulting in exclusions of flat roof insurance. If you have a a flat or level roof then it's vital that you ensure you are covered for all the major common pitfalls that can result from this type of roof. Seeking specific flat roof house insurance is advisable to ensure you are covered in the event of a claim. Insurance companies which offer flat roof insurance will run through a series of questions to understand the type of build and the materials used in that build to ascertain the true risk factor of your flat roof. From this assessment, you can expect a quotation for flat roof insurance cover.


By not having appropriate house insurance in place can result in a claim being rejected if you just rely on your standard home insurance policy as a means of flat roof insurance. This would mean that any damage and repairs would have to be funded by the property owner. If the level roof is the main roof for your home then an incident could cause catastrophic damage to your home and even to neighbouring houses which will be costly to repair.

Some insurers which offer flat roof insurance still apply exclusions that can result in a claim rejection for what you may consider to be a straight forward incident; so like with any insurance policy you should check what you are and what you are not covered for.

The key message from this article is to check that your current flat or level roof house insurance policy insures you for the most common risks associated with having a flat or level roof on your property. Check your policy today and if in doubt contact your insurer.

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Chris Smith

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