Flat Roof Home Insurance Asphalt, Felt on Timber

Flat Roof Home Insurance Asphalt, Felt on Timber

Buying flat roof home insurance should not be as challenging and costly as it is perceived to be. In fact, the entire process can be made even easier with the services of insurance specialists who are much aware of the overall situation in the insurance industry.

It does not matter whether you have a traditional or newly built flat roof, there are actually a number of reasons why homeowners with flat roofing should consider the services of insurance specialists when buying a policy. For one, properties that have a flat roof are not usually covered under standard policies, which mean that there are more risks involved when issuing a policy for properties that have a flat roof. Typical construction materials used on these roofs include asphalt, felt on timber. rubber, carbon fibre and other resin membranes, wood, metal and concrete.

Therefore, there is a need to find insurance providers that offer a full range of coverage for the property. Regardless whether it is from an art deco period or contemporary self-builds, there is no reason why adequate protection should not be made available. To further protect the property from any mishap, consider these buying tips:

1. Consider the built-in features of the policy.

Before buying the actual flat roof insurance policy, make sure that you are completely aware of the built-in features of the policy.  Not many homeowners realise that because of the strict competition in the insurance industry, the difference among many excellent policies normally boil down to the small print in the contract.  Therefore, consider high quality insurance policies that offer:

  • Full coverage for properties that have a flat roof including listed and period properties
  • Has a 24-hour claims hotline complete with counselling support
  • A helpline for domestic assistance that can advise homeowners on the contact details of tradesmen
  • Discount for the installation of security locks and alarm systems
  • Savings when both the structure and its contents are covered by the policy
  • Easy payment options like direct debit, credit card, and other similar options

Considering that by nature felt on timber flat roofed homes are part of non-standard insurance risks, the policies should be designed to fit into the unique individual situation of homeowners.  The quote should therefore be done in view of the actual needs of the property and the potential challenges that the homeowner may face.  After all, the intention is to buy a policy that will protect the property and the homeowner in any eventuality.

2. There are more than enough insurance providers.

Undoubtedly working with insurance specialists can work to the definite advantage of homeowners.  However, it is equally important to realise that there are also some potential drawbacks depending on the qualifications of the agent.

Homeowners should be aware that there is actually a huge market that can provide an adequate policy for the protection of any flat roof home in the U.K.  This means that homeowners should not fall into the trap of some agents that declare there are only a handful of companies that can deliver coverage.

The reality is that when an agent or agents declare that only three or a handful will be willing to provide asphalt flat roof home insurance to your property, what they are actually saying is that these are the only companies they are authorised to write for.  This highlights the need for homeowners to do their own homework despite the assistance of insurance specialists, after all, only you know the exact needs that you have despite the wide range of experience your agents have in the industry.

3. Consider having certification for your flat roof.

It is important to consider the fact that majority of major insurance providers will only issue flat roof home insurance policies for roofs that have certs or certifications.  This type of document is normally issued by the roofer that did the work for the construction of the roofing.  Homeowners should be aware that there are some contractors that may not want to issuer certifications primarily because it will constitute warranty coverage on the scope of work for a specific period.

Rarely will other roofing contractors agree to issue a certification for the work that has been completed by another roofer.  This highlights the need to look for a roofing contractor that is willing to issue certs to ensure that the process of buying flat roof house insurance becomes simpler and easier.  Essentially, without the certs, insurance providers will look at flat roofs all the same way because the roofing contractor was not willing to guarantee his work.

4. Look for insurance providers that specialise in flat roof home insurance.

Since this type of home insurance is considered as a non-standard risk, it is easy to find many insurance providers who are not willing to issue a policy for flat roofs.  However, there are essentially a huge number of insurance providers who have taken a fresh approach and are more than willing to cover residential properties that have been designed with a low-pitched or flat roof.

These insurance providers are usually willing to issue a policy for residences that have anywhere from the standard 30% to a 100% flat roof.  Some of the policies can also be issued regardless of the roofing material or age of the roof.  As long as the property is in the U.K. it should not be difficult to get an accurate quote for any asphalt or synthetic rubber flat roofing.  All of these will be taken into consideration when calculating the quote for your insurance policy.

5. Benefit from technological advances.

Any informed or educated agent will tell you that historically, structures that have a flat roof have been associated with higher frequencies of insurance claims mainly due to the weather damage and water ingress that have resulted in cracks or outright failure of the roofing.  This is why it is important for homeowners who are considering a flat roof for their property to be aware of the technological advances not only in materials used, but of construction techniques as well.

There is no question that presenting insurance providers with the fact that the property poses relatively lower risk compared to conventional flat roofs will make the process of buying flat roof home insurance policies easier.  Classic examples would be the use of polymer modified roofing membranes that are known for its durability and performance.  Opting for these types of materials can make insurance providers look more favourable on the application for insurance policy.

Aside from these tips, homeowners would also benefit from the practice of regularly checking the condition of the roof when buying flat roof home insurance policies.


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