Roof repairs are seldom covered by standard home insurance. Rarely do we consider our roofing until it becomes damaged.
What insurance often covers
Building insurance is mainly meant to protect for a handful of unexpected events, such as:
Storm damage (blown-off tiles, impact damage)
Falling trees or debris
Accidental damage (on some policies)
If roof damage results in a leak, insurers might also payout for the ensuing internal water damage (such as stained ceilings or rotting plaster), subject to cover. For Roofers Bristol, visit https://www.mogfordprescott.co.uk/roofers-bristol
What insurers rarely pay for
Many roof claims are denied because the problem is considered standard wear and tear. Insurers typically won’t cover:
Old, worn-out roofs
Neglect – e.g., blocked gutters, slipped tiles (that have been unrepaired for too long)
Slow leaks and perished felt – a gradual weakening of support
Faulty workmanship from previous repairs
In short, the homeowner is in charge of this routine upkeep.
What insurers look for
When insurers confirm claims – Lots of times, insurers need evidence before they will approve a claim. Be prepared to provide evidence of:
Damage due to a loss event (e.g., usually a named storm)
The roof had been in okay condition before this
You were fast to respond, so more harm could not be done
Photos are handy - get good shots from the ground and inside damage.
What to do next
Protection from additional harm (if a temporary fix is secure)
Keep receipts for emergency call-outs.
Get a roofer’s report/quote with photos of the would-be cause.
If in doubt, speak to your insurer or check the policy wording before proceeding with extensive intervention.
