Why Flat Roofs are High Risk
When it comes to insuring properties, flat roofs present a unique set of considerations. Unlike sloped roofs, which naturally allow for water runoff, flat roofs can pose challenges in terms of drainage and water resistance. This difference is crucial in understanding why insurance providers often view flat roofs as higher risk.
Increased Water Pooling Risk
One of the main concerns with flat roofs is the potential for water pooling. In the absence of a steep pitch to direct water away, flat roofs can accumulate water during heavy rain or melting snow. This pooling can lead to increased stress on the roofing structure, potentially causing leaks or structural damage over time.
Weather Vulnerability
Flat roofs are also generally more exposed to the elements. They can be more susceptible to damage from extreme weather conditions, such as heavy snowfall, hail, or high winds. This increased exposure can accelerate wear and tear, necessitating more frequent repairs or replacements compared to sloped roofs.
Maintenance Requirements
To mitigate these risks, flat roofs often require more regular maintenance. Ensuring that drainage systems are functioning correctly and that the roof surface remains in good condition is essential to prevent water ingress and maintain the roof’s integrity
At Intelligent Insurance, we understand these specific challenges associated with insuring flat roofs. Our tailored insurance policies consider these unique risks, providing coverage that brings peace of mind to homeowners with flat roof properties. We ensure that your investment is protected, taking into account the particular needs and vulnerabilities of your flat roof*.
- Tailored Coverage for All Flat Roof Types
- Quick and Easy Online Quote Process
- Excellence in Customer Service
Frequently Asked Questions
If your property has a roof that is either partially or entirely flat, it would benefit from flat roof insurance. These types of roofs require specialised coverage due to their specific maintenance and risk factors.
We recognise the diversity in flat roof constructions and have tailored our insurance policies to accommodate a wide range of materials and designs. Our coverage includes:
Traditional Felt and Timber Frame Flat Roofs:
Classic and widely used, these roofs are covered for all the typical risks associated with felt material and timber frames, such as weathering and water damage.
Fibreglass Mix Flat Roofs:
Known for their durability and longevity, our insurance provides specialised coverage for fibreglass roofs, ensuring protection against unique risks like cracking or delamination.
Flat Roofs with Rubberised Compounds:
These modern roofing systems offer great resilience. Our policies cover the specific needs of rubberised roofing, such as thermal movement and seam integrity.
Green Roofs:
As eco-friendly options become more popular, we’ve included green or living roofs in our coverage. We insure against the specific challenges they face, like vegetation health and proper drainage.
This comprehensive coverage ensures that no matter the construction type of your flat roof, you have a policy that is specifically designed to meet its unique needs and ensure the longevity and safety of your property.
Yes, properties with flat roofs that have undergone repairs or have had previous damage are still eligible for insurance.
However, the details of the repairs and the current condition of the roof will be considered in your policy terms and pricing.
Absolutely! We’re experts in the field of insuring listed buildings, including those with flat roofs. Whether your property is registered as Grade I, Grade II, or Grade II*, our expertise extends to unique structures and listed buildings.
The cost of flat roof insurance depends on various factors, including the size and type of your flat roof, the property’s location, the roof’s condition, and any previous claims history.
Our team can provide a customised quote based on your specific circumstances.
Yes, we offer fully comprehensive contents insurance to protect all the valuables inside your property. For even greater savings, consider combining your buildings insurance with contents insurance into a single, convenient policy. However, if your needs are better suited by separate policies, we can accommodate that as well. Should you already have an existing policy with us, adding contents insurance is straightforward and can be done at any point during your policy term directly through your online account.
To get a quote, you’ll need to provide details about your property, such as the size and type of the flat roof, the age of your property, any previous insurance claims, and the general condition of the roof.
This information helps us to accurately assess the risk and determine the best coverage options for you.
An Intelligent approach to Flat Roof Insurance
Intelligent Insurance approaches flat roof properties with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Looking for extra protection? Upgrade your cover
-
Family Legal Protection Plus
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Optional -
Home Emergency Plus
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Optional
Still have questions? Visit our help centre
Tailored Insurance Cover for Flat Roofs
Our flat roof insurance is designed to provide robust protection for your property, addressing the unique challenges of flat roof construction.
As the trusted choice for homeowners with non-standard properties, we invite you to discover the difference with Intelligent Insurance. Let’s work together to secure your home insurance, ensuring that you’re protected with a policy that truly understands and meets your needs.
- Weather-Related Damage Protection
- Water Pooling Damage
- Structural Damage Cover
- Leak Repairs
- Optional Home Emergency Cover
- Additional Living Expense
Get an online quote for your Flat Roof Home Insurance, tailored to your needs
For help with your quote, use our online chat to speak with a member of our team
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
Home Insurance Specialists names you can trust
