British home insurance typically covers sudden accidental damage but excludes gradual deterioration. Understanding your policy prevents £2,000-£8,000 out-of-pocket repairs.
What Standard Home Insurance Covers
✅ Storm & Weather Damage (Usually Covered)
Qualifying events:
- Named Atlantic storms (wind >120 km/h)
- Fallen trees/branches onto roof
- Lightning strikes
- Hail damage (rare in UK)
Typical coverage:
- Slate/tile replacement (storm displacement)
- Structural repairs (batten damage, rafter cracks)
- Emergency make-safe (tarpaulin, temporary repairs)
- Water damage to interior (if roof breach caused it)
Average payout: £1,500-£5,000
Excess: £250-£500
Source: ABI (Association of British Insurers) UK Claims Statistics 2025
✅ Accidental Damage (If Policy Upgraded)
Covered incidents:
- Satellite dish installation gone wrong
- Foot traffic cracks (contractor negligence)
- Fallen chimney pots (sudden collapse)
Not standard: Requires “Accidental Damage” add-on (£50-£150/year extra premium)
❌ NOT Covered (Exclusions)
Wear & Tear:
- Moss buildup causing deterioration
- Age-related slate delamination
- Mortar erosion (ridge tiles)
- Flashing corrosion (galvanized nails)
Gradual Deterioration:
- Slow leaks over months/years
- UV damage to flat roof membranes
- Color fading (cosmetic only)
Maintenance Neglect:
- Known leaks left unrepaired
- Blocked gutters causing overflow
- Missing tiles not replaced promptly
Pre-Existing Damage:
- Issues present before policy started
- Undisclosed roof problems
Claims Approval Rates (ABI Data)
2025 Roof Damage Claims
| Claim Type | Approval Rate | Avg Payout | Avg Excess |
|---|---|---|---|
| Storm Damage | 78% | £2,800 | £300 |
| Fallen Tree | 92% | £4,200 | £250 |
| Lightning | 95% | £1,500 | £250 |
| Accidental | 65% | £1,200 | £500 |
| Wear & Tear | 5% | N/A | Rejected |
Key insight: Storm claims succeed if Met Office recorded named storm in your area.
Common Rejection Reasons
- “Wear and tear, not storm damage” (32% of rejections)
- “Pre-existing damage evident” (28%)
- “Maintenance neglect apparent” (22%)
- “No named storm recorded” (12%)
- “Policy exclusion applies” (6%)
Policy Types & Roof Coverage
Buildings Insurance (Mandatory if Mortgage)
Covers:
- Structure (roof, walls, foundations)
- Permanent fixtures (chimneys, gutters)
- Outbuildings (garage roofs)
Sum insured: Rebuild value (typically £200,000-£400,000)
Roof component: Usually 15-20% of total rebuild cost
Contents Insurance (Optional)
Covers:
- Damage to possessions caused by roof leak
- Temporary accommodation (if home uninhabitable)
Not covered: Roof repair itself (that’s Buildings cover)
Accidental Damage Add-On (£50-£150/year)
Extends coverage to:
- DIY accidents
- Contractor mistakes (if not covered by their insurance)
- Non-storm damage (e.g., drone crash)
Worth it? Yes if roof >30 years old (higher accident risk)
Claims Process: Step-by-Step
1. Emergency Action (First 24 Hours)
Immediate steps:
- ✅ Document damage (photos/video with date stamps)
- ✅ Emergency repairs only to prevent further damage (tarpaulin, board windows)
- ✅ Keep receipts (emergency costs usually reimbursed)
Don’t:
- ❌ Start permanent repairs without insurer approval
- ❌ Dispose of damaged materials (assessor needs to inspect)
- ❌ Admit fault/liability
2. Notify Insurer (Within 48-72 Hours)
Report via:
- Phone (claims hotline – 24/7 for major insurers)
- Online portal (upload photos immediately)
- Broker (if policy through intermediary)
Information needed:
- Policy number
- Date/time of incident
- Description of damage
- Emergency repairs undertaken
3. Assessor Inspection (3-10 Days)
Assessor will:
- Inspect roof (may need scaffolding access)
- Review photos/documentation
- Verify storm occurred (check Met Office records)
- Assess pre-existing damage
Your prep:
- Provide maintenance records (proves no neglect)
- Show before photos (if available)
- Highlight sudden nature of damage
4. Quote Approval (5-15 Days)
Options:
- Insurer’s contractor network: Pre-approved pricing, guaranteed work
- Your chosen contractor: Submit 2-3 quotes, insurer approves lowest
Typical process:
- Submit itemized quotes (materials + labor breakdown)
- Insurer may request 2nd quote if first seems high
- Approval usually within 5 days
5. Repairs & Payment
Payment methods:
- Direct to contractor: Insurer pays contractor after completion
- Reimbursement: You pay, insurer refunds (requires receipts)
Timeline: 2-6 weeks from approval to completion
Maximizing Your Claim
Documentation Best Practices
Before storm season:
- Take dated photos of roof condition (Sept each year)
- Keep maintenance records (gutter cleaning, inspections)
- Note any repairs (proves active maintenance)
After damage:
- Photo from multiple angles (ground level + close-up)
- Video walkthrough showing extent
- Screenshot Met Office storm warnings
Professional Assessment
Consider hiring:
- Independent roof surveyor (£200-£400)
- Public loss adjuster (5-10% of settlement, only if claim >£10,000)
Benefits:
- Technical report (supports claim)
- Identifies hidden damage (increases payout)
- Negotiates with insurer
Common Mistakes to Avoid
❌ Delaying report – Most policies require “prompt notification”
❌ Over-claiming – Requesting cosmetic upgrades (insurer pays “like-for-like”)
❌ Accepting first offer – Negotiate if payout seems low (get 2nd contractor opinion)
❌ Not reading policy – Check exclusions/excess before claiming
Special Circumstances
Rented Properties
Landlord responsibility:
- Buildings insurance (roof structure)
- Repairs within reasonable timeframe
Tenant rights:
- Report damage immediately (avoid “neglect” claims)
- Temporary accommodation if uninhabitable (landlord pays or insurance covers)
Tenant insurance: Covers contents only (not roof itself)
Period/Listed Buildings
Challenge: Insurance may require “specialist materials” (e.g., matching slate)
Higher costs:
- Conservation area rules (planning permission delays)
- Specialist contractors (limited availability)
Premiums: 20-50% higher for protected structures
Storm Deductibles (Some Policies)
Higher excess for storm claims: £500-£1,000 (vs £250 standard)
Applies to:
- High-risk coastal areas (Scottish Highlands, Cornwall, North Wales)
- Properties with previous storm claims
Check policy schedule: “Storm & Flood Excess” section
When to Claim vs Pay Yourself
Claim if Damage >£1,500
Calculation:
- Repair cost: £2,500
- Policy excess: £300
- Net benefit: £2,200 (worth claiming)
Consider:
- No-claims bonus protection (some policies allow 1 claim without premium rise)
- Future insurability (multiple claims = higher premiums/refused cover)
Pay Yourself if Damage <£800
Example:
- 5 slates replaced: £500
- Policy excess: £300
- Net benefit: £200 (not worth claim + premium rise risk)
Benefits:
- Preserve no-claims discount (saves 20-40% on premium)
- Avoid claims history (easier to switch insurers)
FAQ: Roof Insurance UK
Q: Does insurance cover roof replacement?
A: Only if sudden damage (e.g., storm destroys 50%+ of roof). Age-related wear (30-year-old roof failing naturally) = NOT covered. Insurer pays “like-for-like” repair, not upgrade to new materials.
Q: What if insurer blames “wear and tear”?
A: Appeal with evidence: Met Office storm records, before-photos showing good condition, maintenance receipts. Hire independent surveyor (£300) if claim >£3,000 – their report can overturn rejection.
Q: Can I choose my own roofer?
A: Yes – but insurer may cap payout at “reasonable cost” (e.g., your quote £5,000, insurer’s network quote £3,500 = you pay £1,500 difference). Using insurer’s network = no cost risk.
Q: How does excess work?
A: First £X of claim paid by you. Example: £2,500 repair, £300 excess = insurer pays £2,200, you pay £300. Some policies have higher excess for storm/flood (£500-£1,000).
Q: Will claiming increase my premium?
A: Depends: No-claims bonus protection (add-on) = 1-2 claims allowed without rise. Without protection = 10-30% premium increase, or insurer refuses renewal. If storm affects entire neighborhood, less impact (widespread event).
Claim Preparation Checklist
✅ Annual roof photos (dated, pre-storm season)
✅ Maintenance log (gutter cleans, inspections, repairs)
✅ Policy review (check excess, exclusions, storm coverage)
✅ Contractor contacts (2-3 quotes ready post-damage)
✅ Emergency kit (tarpaulin, boards, camera)
Prepared homeowners get 20-30% higher payouts (documented claims harder to dispute)
Find emergency roofer contacts
Insurance Data Sources
- ABI (Association of British Insurers) – UK insurance industry statistics – abi.org.uk
- Financial Ombudsman Service – Insurance complaints and disputes – financial-ombudsman.org.uk
- Which? Money – Home insurance claims guidance – which.co.uk/money/insurance/home-insurance
- Met Office Storm Archive – UK weather data and named storms – metoffice.gov.uk
- FCA (Financial Conduct Authority) – Insurance regulation – fca.org.uk
Tags:
Need Professional Roofing Services?
Our expert team is ready to help with all your roofing needs across UK.
Get Your Free Quote