Roof damage can be a homeowner’s worst nightmare, leading to costly repairs and potential safety hazards. One of the first questions you might ask is: Does buildings insurance cover roof repairs in the UK? The answer depends on the cause of the damage, your policy terms, and whether the issue was sudden or due to long-term neglect.
This guide explains when building insurance covers roof repairs, common exclusions, and how to make a successful claim. If you’re a tenant suffering from a landlord’s failure to fix a damaged roof, you may also have grounds for housing disrepair claims.
What Does Building Insurance Cover?
Buildings insurance in the UK typically covers sudden roof damage (like storms or falling trees) but excludes wear and tear; for landlord neglect, call the Housing Disrepair Team at 02030 264595 to claim for structural issues disrepair claims.
Standard Coverage for Roof Repairs
Buildings insurance protects the structural integrity of your home, including the roof, walls, and foundations. Most policies cover roof repairs if the damage is caused by:
- Storms or high winds (loose or missing tiles)
- Falling trees or debris
- Fire or lightning strikes
- Vandalism or malicious damage
- Water damage from sudden leaks
What’s Typically Excluded?
Insurance providers usually do not cover the following:
- General wear and tear (ageing roofs)
- Poor maintenance (ignoring minor leaks)
- Pre-existing damage (issues before taking out the policy)
- Faulty workmanship (bad repairs by unqualified tradespeople)
When Will Insurance Pay for Roof Repairs?
Storm and Weather-Related Damage
If severe weather (such as a storm or heavy snowfall) damages your roof, your insurer should cover repairs, provided you’ve maintained the roof properly.
Impact Damage (Falling Objects)
If a tree branch or debris hits your roof, causing immediate damage, this is usually covered.
Leaks and Water Damage
Sudden leaks (e.g., from a burst pipe) may be covered, but gradual leaks due to poor upkeep likely won’t be.
When Is Roof Repair Not Covered?
Wear and Tear Over Time
Roofs naturally deteriorate, and insurers expect homeowners to handle routine maintenance.
Neglect or Lack of Repairs
If you ignored missing tiles or blocked gutters, leading to further damage, your claim may be rejected.
Claims Below the Excess Fee
Some policies have high excess fees (£500+), making small repairs uneconomical to claim.
How to Claim Roof Repairs on Buildings Insurance
Step 1: Document the Damage
Take clear photos and videos of the affected area.
Step 2: Prevent Further Damage
Use temporary fixes (tarpaulins), but avoid permanent repairs until approved.
Step 3: Check Your Policy
Review coverage limits, exclusions, and excess fees.
Step 4: Contact Your Insurer
Report the damage promptly and follow their claims process.
Step 5: Get a Professional Assessment
An insurer-approved surveyor may inspect before approving repairs.
What If You’re a Tenant with a Damaged Roof?
Landlord Responsibilities
Under the Landlord and Tenant Act 1985, landlords must ensure the property is weatherproof and structurally sound. If they refuse to fix a leaking roof, you may have a housing disrepair claim.
How to Take Action
- Report the issue in writing (keep records).
- If no action is taken, contact your local council.
- Seek expert advice to force repairs or claim compensation.
Need Help with Roof Repairs or Insurance Claims?
If your insurer has unfairly rejected your claim or your landlord is neglecting necessary roof repairs, the Housing Disrepair Team can help. Call us now at 02030 264595 for expert support.
Don’t let unresolved roof damage compromise your safety: get the compensation and repairs you deserve!
Final Thoughts
Buildings insurance can cover roof repairs if the damage is sudden and accidental but not if it’s due to poor maintenance. Tenants facing negligent landlords should explore housing disrepair claims to secure urgent repairs.
Need immediate help? Contact the Housing Disrepair Team at 02030 264595!
