Whether it’s storms, debris, or natural aging, roof damage happens. Learn what your home insurance might cover and steps to make a successful claim.
Home insurance typically covers roof leaks caused by unexpected events like storms, falling trees, or heavy rain. However, damage from wear and tear or poor maintenance is usually excluded, making it the homeowner's responsibility to keep the roof in good condition.
Home insurance comes in two types: buildings insurance and contents insurance, which you can buy together or separately.
For example, a scenario where your claim would likely be successful is if water from a roof leak soaked through and damaged your sofa. This would typically be covered by contents insurance, either as part of a combined policy or on its own.
Whether your home insurance covers a leaking roof depends on whether you rent or own the flat. Here's how it works in both cases:
If you own the flat:
If you own the flat, your home insurance might cover a leaking roof, depending on what caused the damage. Buildings insurance, which covers the property’s structure, is usually required for flat owners. If the leak is from something like a storm or falling debris, it will likely be covered.
But if the leak is due to wear and tear or poor maintenance, it probably won’t be. Sometimes, the roof is covered by a shared insurance policy managed by the building's freeholder, so it’s important to check your policy or ask the freeholder.
If you rent the flat:
If you rent the flat, your landlord is usually responsible for fixing a leaking roof, as they own the building. Their buildings insurance may cover the repairs. As a tenant, it’s a good idea to have contents insurance to protect your belongings in case the leak damages them. Your landlord’s insurance won’t cover your personal items, so contents insurance can help protect things like furniture and electronics. Read more about contents insurance for tenants and renters.
There are many different types of roof, but if you live in a conventional house the chances are that your roof type is standard; the roof material is likely to be slate or tile. Have a look around at neighbouring properties and you’ll probably be easily able to tell whether yours is standard or not. If it looks unusual, yours may have a different type of roof. If you’re about to buy a property the survey should confirm the roof type.
If your property has a flat roof, make sure to tell your home insurance provider. A flat roof is easy to spot, but even a roof with a slight slope of 10 degrees or less is considered flat.
Are flat roofs covered by insurance? Yes, but some insurers might require specialist cover. It’s important to mention this when getting a quote. Flat roofs are riskier because water can pool, leading to leaks, sagging, and damp. They may also be seen as easier for burglars to access, which can affect your insurance.
Thatched roofs are rare on new homes in the UK but still found on older properties. While they look charming, especially on country cottages, they can be expensive and hard to insure.
Thatched roofs are considered non-standard and are riskier because they’re more likely to catch fire. They also require regular maintenance, such as replacing the ridge every 10 to 15 years. Some insurers won’t cover homes with thatched roofs, so you may need specialist insurance, which could be more limited and cost more.
If you live in a conventional house, your roof is likely to be made of slate or tile, which are considered standard materials. Having a standard roof could make it easier and cheaper to insure, as most insurers are familiar with these common materials and their risks.
Non-standard roof materials like glass and metal can increase your buildings insurance cost. Glass roofs are common in modern homes, but they can make insurance more expensive. The same goes for conservatories with glass roofs. To make sure your conservatory is covered, check your insurance, as you may need to add it or update the cover if it has a non-standard roof.
If your roof is leaking, here are the key steps to take for your insurance claim:
If your roof is damaged, you may need to file an insurance claim. Here’s what you might need to do, but keep in mind that requirements may vary by insurer.
Accidents can happen, but does your home insurance cover breakages and spillages? Here, the RAC looks at what accidental damage cover is and why you might need it. Accidents can happen, but does your home insurance cover breakages and spillages? Here, the RAC looks at what accidental damage cover is and why you might need it.
