Flat roof insurance

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 

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.

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.

You can find out more about how we work here.