Do UK insurance companies cover roofing repairs?

Roofing repair insurance can be confusing, especially when you are unsure what your home insurance policy covers. Many homeowners face unexpected issues, such as storm damage, leaking roofs, slipping tiles, or cracked tiles. However, the question remains: will your buildings insurance or combined buildings and contents insurance cover the cost? Understanding the difference between accidental damage cover, storm damage cover, and home emergency cover is crucial to avoid costly surprises.

At McColloch Roofing Ltd, we specialise in guiding homeowners through the complexities of roofing repair insurance. From providing accurate repair estimates to helping you understand your policy excess and no claims bonus, we ensure you are fully prepared when making an insurance claim.

If your roof is leaking or showing signs of damage, act quickly to prevent water damage and costly repairs. Call us on 020 8776 1693 or email info@mccollochroofing.com for expert roofing advice, emergency repairs, or to arrange a roof inspection. 

 

 

Understanding Roofing Repair Insurance In The UK

Home insurance policies can cover roofing repairs under specific conditions. Most building insurance policies include protection against unexpected events, such as storm damage, fire, or falling trees. However, regular maintenance or issues caused by wear and tear are typically excluded. 

Before claiming for roof damage, homeowners should regularly inspect their roofs and determine whether they require a surveyor’s report or a loss adjuster’s assessment. Insurers often request an insurance claim form along with a repair estimate for approval. 

 

What Do Insurance Policies Typically Cover For Roofing Repairs?

When it comes to roofing repair insurance, coverage depends on the type of policy and the specific circumstances of the damage. Below are the key points: 

1. Buildings Insurance Coverage

• Covers structural elements like roofs, chimneys, and walls. 
• Protects against sudden events, such as storm damage or falling trees. 
• Often includes roof flashing repair, valley gutter repair, and chimney stack repair. 

2. Contents Insurance Exclusions

• Does not cover structural repairs, but may cover interior damage caused by water leaking from your roof. 
• Works best when paired with buildings insurance or combined buildings and contents insurance. 

3. Accidental Damage Cover

• Useful for unexpected issues like cracked tiles or damage from an accidental impact. 
• Helps with minor repairs, such as tile replacement or roofing felt replacement. 

4. Storm And Flood Damage Cover

• Policies usually include protection for storm damage, hail damage, wind damage, and flooding. 
• Water damage caused by leaks after extreme weather is often claimable. 

5. Subsidence And Structural Concerns

• Some policies offer subsidence cover if the roof damage is linked to ground movement. 
• A surveyor report is often required for such claims. 

6. Home Emergency Cover

• Offers rapid repairs for leaking roofs or severe water ingress. 
• May include temporary fixes until full repairs are approved. 

7. Roof Types And Specialised Policies

• Policies may differ for flat roof insurance, pitched roof insurance, or thatched roof insurance. 
• Asphalt roof insurance and roof membrane insurance are often handled under specific clauses. 

Also Read: Tips For Dealing With Water Leaking From Your Roof 

 

Factors Insurers Consider Before Approving Roof Repair Claims

1. Policy Excess And Claim History

• The policy excess affects your out-of-pocket expenses when claiming roof repairs. 
• Maintaining a no-claims bonus can impact your future premiums. 

2. Condition Of Your Roof

• Insurers require proof of regular maintenance and inspections to approve coverage. 
• A roof inspection can identify issues such as moss and algae growth or loose tiles. 

3. Types Of Roof Damage 

• Storm damage, ice damming, and snow damage are often covered under insurance policies. 
• Wear and tear, or poor roofing materials, are not typically included. 

4. Repair Estimates And Surveyor Reports 

• An insurance claim form, supported by a repair estimate and a surveyor’s report, is necessary. 
• Loss adjusters may visit to verify the damage. 

5. Regulatory Compliance 

• Insurance companies operate under the supervision of the Financial Conduct Authority (FCA). 
• Disputes can be taken to the home insurance ombudsperson for review. 

6. Preventative Maintenance

• Regular roof maintenance reduces the chance of claims being denied. 
• Actions like gutter damage prevention and timely roof felt replacement are recommended. 

Also Read: DIY Roof Maintenance: What Homeowners Can Do Themselves 

 

Tips To Ensure Your Roofing Repairs Are Covered

1. Regular Roof Checks 

Learn how to detect a roof leak to prevent significant issues. 

2. Document Everything 

Take photos and keep records of any roof damage and repairs. 

3. Know Your Roof Type 

Understand that policies vary for each type of roof, including flat, tile, and slate roofs. 

4. Get Professional Estimates 

Use reputable contractors for repair estimates to avoid rejected claims. 

5. Maintain Your Roof 

Read our guide on roof maintenance to prevent future problems. 

6. Choose The Right Policy 

Consider accidental damage cover and compare insurance quotes. 

7. Understand Your Warranty 

Check if your roof is still under a roof warranty. 

 

Get Expert Roofing Advice With McColloch Roofing Ltd

Roofing repair insurance can cover storm damage, leaking roofs, and accidental issues, but understanding your policy is essential. At McColloch Roofing Ltd, we provide expert roof inspections, professional repairs, and assistance with insurance claims. Whether you need tile replacement, roof flashing repair, or advice on best roofing materials, we are here to help. 

Are you seeking a reputable roofing contractor to assist with insurance-approved repairs? Call us on 020 8776 1693 or email info@mccollochroofing.com to book an inspection today.

 

FAQs 

Are roof repairs covered by insurance in the UK?

Yes, most building insurance policies cover roofing repairs caused by storm damage, falling trees, or accidental damage, but not wear and tear.

What insurance should a roofer have in the UK?

A roofer should have public liability insurance, employers’ liability insurance, and professional indemnity cover.

Can you claim off house insurance for roof damage?

You can claim for roof damage if it results from insured events such as hail, storm damage, or accidental impact.

Why won’t insurance pay for roof damage?

Insurers may refuse claims for damage caused by poor maintenance, moss growth, or the use of low-quality roofing materials.