Is your flat roof covered under your home insurance policy?
Did you know that you have to declare what percentage of your roof is flat to your insurance broker or insurer? Read on to find out why.
Flat roofs in Ireland are known for being more challenging to manage than other types of roofs. If you have a flat roof, you might be wondering if your home insurance covers it. Good news! Home insurance does cover flat roofs. In this article, we’ll answer common questions about flat roofs and home insurance, as well as discuss the risks associated with having a flat roof.
Can I Get Home Insurance If I Have a Flat Roof?
Yes, you can get home insurance if you have a flat roof. However, it’s essential to provide your insurer with details about your flat roof, such as its age and materials and what percentage of the roof is actually flat. This information will help determine your coverage and premiums.
Will My Home Insurance Cover Damage to My Flat Roof?
Your home insurance will cover damage to your flat roof as long as you have accurately disclosed its materials and construction. Regular maintenance is crucial for flat roofs, and if you neglect to maintain it properly, your insurance may not cover the damage.
What Are the Risks of Having a Flat Roof?
How Much of Your Roof is Flat?
The risks associated with a flat roof depend on the percentage of your roof that is flat. Roofs are never entirely flat; they have a slight slope or pitch to allow water runoff. However, flat roofs pose a significant risk in wet climates like Irelands’ if not regularly maintained.
If less than 25% of your roof is flat, your insurer will likely provide you with insurance without any issues. If more than 25% of your roof is flat, obtaining flat roof insurance may be more challenging but not impossible.
Construction and Materials
The materials and construction of your flat roof play a significant role in its durability and the risks posed to it. Older flat roofs are more likely to wear out, so it’s essential to keep them maintained regularly. Many flat roofs are covered with mineral felt, which is more susceptible to damage and leaks than asphalt roofs. Asphalt roofs are heavier and less flammable, making them more appealing to insurance providers.
Risks of Flat Roofs
Mineral felt flat roofs are vulnerable to storm damage and can tear easily. Small tears can become larger during storms, leading to more significant damage. Additionally, bitumen, an oil-based product used in mineral felt roofs, is highly flammable, increasing the risk of fire.
The main risk of a flat roof is water collecting on its surface. The extra weight of standing water and the fact that it rarely dries out can lead to leaks or even a collapsed roof. Regular maintenance is crucial to prevent these issues and ensure that your insurance covers any damage.
How to Maintain Your Flat Roof
To keep your flat roof in good condition, clean your gutters regularly to allow proper rainwater runoff. Remove leafs and debris that add weight to your roof’s structure. Trim back surrounding trees and branches to reduce the risk of falling branches causing property damage.
Need More Expert Information on Flat Roofs and Home Insurance?
If you have questions about your flat roof and how it might impact your home insurance, don’t hesitate to contact Top Insure for more expert advice on your property’s roof type.
