Do home insurance companies exclude a flat roof
Insurance companies will explore every opportunity to reject a claim at the best of times but when it comes to flat roof cover, it can be even trickier to get a pay out.
Home insurance companies often exclude flat roof cover from their policies as traditional flat roofs (such as mineral felt) are perceived to be at greater risk from water and weather damage. Even those policies which do provide cover are not designed to offer the homeowner protection from gradual deterioration as these are put down to wear and tear. In these instances, it is the responsibility of the homeowner to maintain the flat roof and keep it in the best condition possible.
Many insurance companies now state that if your mineral felt roof is 10 years old or more and has failed, they will not provide cover – including your internal contents. Only in cases where the leak can be proven to be storm damage will you receive any chance of financial reimbursement.
Homeowners often seek a specialist flat-roofing insurance when faced with these issues, which can result in higher premiums or larger excesses on the policy. This is especially true if the property’s flat roof spans more than 20% of the building. However, if you choose a high-performing product in the first place, you not only reduce the likely maintenance bill, you can also guarantee the life of your flat roof and get product protection from the start.
As Basildon’s leading flat roof contractors, High Tech Membrane Roofing not only offers customers a superior product, it has also thought long and hard about how to offer them maximum peace of mind over their investment.
Whereas some roofing contractors offer five-year guarantees, High Tech Membrane Roofing has gone considerably further – offering clients a unique 20-year full product and labour guarantee. This lifetime guarantee is fully transferable on request and should the property be sold, it will be reassigned to the new property owners, expiring at the end of the 20-year term.
Even more crucially, as far as reassurance goes, the guarantee is underwritten through Homepro insurance who will take over all liabilities of our guarantee in the unlikely event that we are not here ourselves to honour it.
High Tech Membrane Roofing’s PVC single-ply flat roofing system is one of the best performers when it comes to durability, providing a greater degree of protection from the elements than traditional flat roofs. We’re so confident in its performance that we offer an industry-leading guarantee to ensure our customers are 100% satisfied.
