Is My Roof Leak Covered by Insurance?
Answer a few questions to find out if your roof damage is likely covered by your home insurance.
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Understanding Roof Insurance in UK
✅ Usually Covered
- • Storm and wind damage
- • Fallen trees or branches
- • Lightning strikes
- • Fire damage
- • Vandalism and malicious damage
- • Impact from vehicles
❌ Usually NOT Covered
- • Normal wear and tear
- • Gradual deterioration
- • Lack of maintenance
- • Pre-existing damage
- • Cosmetic damage only
- • Damage from faulty workmanship
Roof Insurance FAQs
My roof is leaking - is it covered by insurance in UK?
It depends on what caused the leak. If it's due to a sudden event like a storm, fallen tree, or lightning - it's usually covered. If it's due to age, wear and tear, or lack of maintenance - it's typically not covered. Always document the damage and contact your insurer promptly.
What should I do if storm damage occurs to my roof?
1) Take photos/videos of all damage immediately. 2) Make temporary repairs to prevent further damage (keep receipts). 3) Contact your insurer within 24-48 hours. 4) Get a professional roofer's assessment and report. 5) Keep all documentation and correspondence.
How much excess will I have to pay?
Most home insurance policies in UK have an excess of £250-£500. Some policies have higher excesses for storm damage. Check your policy documents or contact your insurer to confirm your specific excess amount.
Will making a claim increase my premiums?
It can, though weather-related claims are generally viewed more favourably than other claims. One claim typically has a modest impact on premiums. Multiple claims in a short period may have a larger effect. Consider if the repair cost is significantly higher than your excess before claiming.