When a storm strikes and damages your flat roof, navigating the insurance claims process can feel overwhelming. Understanding what your insurance covers, how to document damage, and what steps to take can make the difference between a successful claim and a frustrating denial. Here's your comprehensive guide to handling flat roof storm damage claims in the UK.
Understanding Storm Definition for Insurance
For your claim to be successful, the weather event must meet specific criteria that insurers recognize as a "storm." In the UK, this typically means10:
- Wind gusts exceeding 55mph (48 knots)
- Rainfall of at least 25mm per hour
- Snow accumulation of at least 30cm in 24 hours
Insurance companies will verify these conditions through weather reports and local data before processing your claim. That said, if the "storm" didn't meet the official definition, it's still worth speaking to your insurer, as there is often some flxibility, particularly if you have been with them a long time.
Immediate Actions After Storm Damage To Your Flat Roof
Document Everything
Start by thoroughly photographing and videoing all visible damage as soon as it's safe to do so. Capture multiple angles and take close-up shots of affected areas.This visual evidence will be crucial for your claim.
Prevent Further Damage
Make temporary repairs to prevent additional damage, but don't start major repairs until your insurer has assessed the situation. Keep all receipts for emergency repairs as these costs may be covered by your policy.
Documenting Pre-Existing Conditions
Your claim's success often hinges on proving your roof was well-maintained before the storm. Keep records of:
- Annual inspection reports
- Regular maintenance work
- Previous repairs
- Photographs of your roof's condition (either time stamped or with Exif data, in the case of digital images)
What Insurance Typically Covers
Standard buildings insurance policies generally cover:
- Structural damage to the main building
- Water damage from storm
- Cost of temporary accommodation if needed
- Emergency repair costs
Common Exclusions
Be aware that certain items are typically not covered:
- Fences, gates, and hedges
- Pre-existing damage
- Wear and tear
- Gradual deterioration
- Damage as a result of poor maintenance
Making a Successful Claim
Professional Assessment
Have a reputable roofing contractor inspect the damage and provide a detailed report. Their professional assessment often carries more weight than general insurance adjusters' observations.
Weather Verification
Your insurer will cross-reference your claim with local weather records to verify storm conditions. Keep any local weather reports or news coverage of the storm.
Documentation Requirements
Prepare the following:
- Detailed photographs of all damage
- Professional inspection reports
- Maintenance records
- Weather reports from the date of damage
- Quotes for repairs from qualified contractors
Potential Claim Challenges
Proving Storm Conditions
You may need to provide evidence that actual storm conditions occurred at your specific location. General reports of bad weather in the wider area may not suffice.
Maintenance Issues
If your roof was already in poor condition, insurers might argue that the storm merely highlighted existing problems rather than caused new damage. Regular maintenance records are your best defense against such disputes.
Age Considerations
Some types of flat roof are considered "old" if they exceed 10 years, which can affect claim outcomes. This particularly applies to roofing felt, which has a shorter lifespan than alternatives such as GRP fibreglass roofing or EPDM. Be sure to keep documentation of any repairs or upgrades made during this period.
In Summary
Success in flat roof storm damage claims comes down to preparation, documentation, and prompt action. Keep detailed maintenance records, act quickly when damage occurs, and ensure you have proper documentation of both the damage and the storm conditions.
Remember that insurance companies expect property owners to maintain their buildings in good condition, so regular inspections and repairs are essential for protecting both your property and your ability to make successful claims.
