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Flat roof insurance

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What is Flat Roof Insurance?

Flat roof insurance is a buildings insurance policy specially designed to provide cover for properties with flat roofs. It generally offers similar protection to a standard home insurance buildings policy but can be more expensive. It can also come with certain conditions, such as a requirement to have the roof checked professionally every few years.

What is a Flat Roof?

A flat roof is a roof with a low, or non-existent pitch, usually constructed of timber frames covered in a resistant material such as concrete, bitumen or felt. 

Insurers tend to consider roofs with a slope of less than 10 degrees to be flat. If less than 30% of your roof is flat, it's unlikely to make a difference to the cost of your insurance.


How much does flat roof insurance cost?  

If your house has a flat roof, your house insurance can be more expensive. This is because insurers consider flat roof homes to be at higher risk of water ingress, weather damage and burglary. The cost of flat roof insurance can depend on several factors, including:

  • 1

    How much of your roof is flat

  • 2

    What the roof is made off and how old it is

  • 3

    The rebuild cost of the property

  • 4

    The value of the home’s contents

  • 5

    How secure the property is

  • 6

    The excess you agree to pay towards any claim

How can I cut the cost of flat roof insurance?

There are a few things you can do to cut the cost of flat roof insurance, including:

  • Waterproofing

    Waterproofing the roof

  • Drainage

    Install a good guttering system to facilitate water drainage

  • Insulation

    Add a layer of insulating material above the decking

  • Security

    Upgrade your security to deter thieves 

Why compare flat roof insurance with MoneySuperMarket?

We’re here to help you protect the things that matter most

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    Pop in some details about your home and your belongings, and compare quotes in just a few minutes

  • We’ll search for savings

    We’ll search the market for the cheapest deals, and help you choose the cover that suits your needs

  • Get the right cover

    We’ll show you claims experience for policies, to help you choose the right home insurance policy for you

Flat roofs offer less protection against storms and high levels of rainfall. If water or storm debris is allowed to remain on the roof, it will cause it to deteriorate over time – increasing the risk of you making an insurance claim.

Flat roofs also offer easier access to burglars, which could push your contents insurance premiums up too.

Flat roof home insurance will usually pay out if your roof starts leaking after being damaged due to a one-off event, such as a storm. However, to make a successful claim, you’ll have to prove the problem was not caused by wear and tear. If you’re unable to do this – for example by providing photos of damage such as torn-off tiles – you may have to foot the bill for the repairs yourself.

Flat roof home insurance will generally cover the full cost of roof repairs if you can prove your roof was in good condition prior to being damaged. However, general maintenance and repairs are not covered, and the amount you can claim for any damage will depend on a number of factors, including:

  • The age of the roof

  • The condition of the roof

  • The cause and severity of the damage 

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We aim to show you home insurance quotes from as many insurance companies as possible, so that you can find the right policy for you.

Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites.

We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you.

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