Roof damage can be stressful, and many homeowners wonder whether their insurance will cover it. We are roofers, not insurers, so we cannot say what your policy covers, but we can explain what usually helps a claim and what to ask.
Check your policy first
Home insurance varies widely. Some policies cover sudden damage, such as that caused by a storm, but not wear and tear or gradual deterioration. Others have excesses or conditions about maintenance. Read the section on buildings cover, or call your insurer to ask what is included before you arrange any work.
Document the damage
Take clear photographs of the damage from the ground and inside the house, including any water stains on ceilings or walls. Note the date and what was happening, such as a particular storm. Keep any fallen tiles or debris, and do not throw things away until you have spoken to your insurer.
Get a written report and quotation
Insurers often ask for a quotation or a report from a roofer. We can look at the roof and explain the damage and the repair needed in plain terms. A clear description of the cause and the work involved helps support a claim, although the decision remains with the insurer.
Emergency measures
If water is coming in, it is reasonable to take steps to limit further damage, such as a temporary repair or covering. Keep receipts, and tell your insurer what you have done. Do not go onto the roof yourself.
Do not delay
Leaving damage unrepaired can make a problem worse, and some policies expect you to take reasonable steps to prevent further loss. Speak to your insurer promptly.
If your roof is damaged, see our Roof Repairs section or call 07766 547309.
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