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Flat Roof Insurance

Owning a home with a flat roof may be an appealing option for you. Being able to use a roof terrace in summer can seem like a big draw.  However, finding insurance for a home with a flat roof can prove to be quite tricky, especially here in the UK.

In this guide we will look at why it is harder to get cheap home insurance deals if you have a flat roof, and the best ways you can try to bring your insurance costs down.

In This Guide:

Why is flat roof insurance more expensive?

Insurers will see a home with a flat roof as being of greater risk to sustaining damage from weather, with frequent, heavy rain and ice causing leaks. Therefore, they often require more frequent repairs than sloped roofs as the water often has nowhere to run off to.  

On top of this, homes with flat roofs are also perceived to be easier to burgle, and insurers therefore are less willing to provide cover for your contents and your building.

How do insurers define flat roofs?

Insurers in most cases will define flat roofs as being 10 degrees or less.  Having a small part of your roof being flat usually is not a problem, but if over 25% of your roof is flat, you may find that most insurers may not be able to offer you any cover at all.

How do I know if I can get flat roof home insurance?

When you apply for home insurance you will usually be asked a series of questions about your home, including how much of your roof is flat.  To work this out, there are a number of ways you can do this:

  • Google Earth – Doing a quick search of your home on Google Earth can help you determine the proportion of your roof which is flat.
  • Get it Professionally Surveyed – You could ask a builder or a building surveyor to accurately measure out how much of your roof is flat, although this will cost you.
  • Check Housing Documents – If you look over the documentation from when you bought your home, such as the homebuyer’s survey, this should have the details and measurements of the building when it was bought.

It is important to remember that you must give your insurance provider as accurate a picture as possible when you are signing up for your policy. If you provide misleading information, you may not be able to gain any compensation when making a claim.  This means that you will not only be uncovered, but also will have wasted money on your premiums!

How to Get Cheaper Flat Roof Insurance

Having a flat roof on your home does not necessarily mean that you are doomed to prohibitively expensive premiums and sky-high repair costs.  There are a few specialist insurers who may be able to provide you with home insurance after taking into consideration other factors, such as the condition of your home and your location.

There are a number of steps you can take to improve your chances of getting affordable home insurance deals if you have a flat roof, such as:

  • Ensuring that your roof is well maintained – Most insurers will require you to have the condition of your roof checked every few years to make sure that it is in good condition, and some also want your roof to be relaid every 10 or so years.
  • Ensuring that your roof is made of the best material – If your roof is made from a strong and durable material, such as EPDM, you may be able to build a better case for getting cheaper home insurance.
  • Having the rest of the home in good condition – If the rest of your home is in good condition, and has a history of low maintenance costs, insurers may be more willing to look past the flat roof and offer you a cheaper deal.

Compare Home Insurance Online

The best way to save money on your home insurance premiums is to make sure that you are getting the cheapest deal available to you, and the easiest way to do this is to compare home insurance prices online.

All you have to do is fill in a few simple details about your home and yourself, and you will be able to see quotes of policies available to you.  This will allow you to compare the premiums you will likely have to pay and what your policy will cover.