jaynie38 Â Â 10 #1 Posted November 27, 2010 MY OH has just been in the loft and seen a few spots of water on the floor, so he felt the ceiling and could feel the wet patches where it has obviously come through, is this something that the insurance would cover or not? Share this post Link to post Share on other sites Share this content via...
steveh   10 #2 Posted November 27, 2010 Depends on your insurance and the type of roof I'm afraid. Certainly worth calling them to ask them about it. Share this post Link to post Share on other sites Share this content via...
Bloomdido   10 #3 Posted November 27, 2010 I called my insurance company regarding an attic leak. They sent in someone who said 'No', it was not covered. Fair enough but it then showed as a 'claim' when my policy was renewed and I lost my no-claims, which I then had to declare if I changed provider, which I did, I was so annoyed.  Be caereful. Insurance is fine until you actually need to call it in. Share this post Link to post Share on other sites Share this content via...
skyline   10 #4 Posted November 27, 2010 this is probably not covered as its classed as general wear and tear and you are responsible for the day to day up keep of your property paul Share this post Link to post Share on other sites Share this content via...
medusa   16 #5 Posted November 27, 2010 It really depends on the cause of the leak. If your roof is new or even newish and therefore has failed because of a storm damaging it or similar then your insurance may well pay out.  If, however, it's been a few years since your roof was replaced and the damage could be wear and tear rather than accidental then the insurance company is likely to refuse to touch it. Share this post Link to post Share on other sites Share this content via...
Flying Duck   10 #6 Posted November 27, 2010 You may find that the roof is classed as wear and tear, but any damage to contents due to the water coming in may be covered. Share this post Link to post Share on other sites Share this content via...
littlebasher   11 #7 Posted November 27, 2010 If it's even leaking...  Open your loft hatch, and you're letting that nice warm & moist air from downstairs get up there.  It condenses on the cold roof and drips down...just like it does in my house when anyone has gone up there recently! Share this post Link to post Share on other sites Share this content via...
gnvqsos   10 #8 Posted November 27, 2010 MY OH has just been in the loft and seen a few spots of water on the floor, so he felt the ceiling and could feel the wet patches where it has obviously come through, is this something that the insurance would cover or not?  Why not read your policy and why buy a policy without reading it?If you have buildings cover you are alright.If not a tar -paulin is an excellent cover. Share this post Link to post Share on other sites Share this content via...
cgksheff   44 #9 Posted November 28, 2010 Don't forget that while your buildings insurance may not cover the roof repair if they say it is wear and tear, your building/contents policy should cover damage caused by the leak. Ceilings, carpets, hadron collider etc. Share this post Link to post Share on other sites Share this content via...
donuticus   10 #10 Posted November 28, 2010 Don't forget that while your buildings insurance may not cover the roof repair if they say it is wear and tear, your building/contents policy should cover damage caused by the leak. Ceilings, carpets, hadron collider etc.  I would love to see the claim form from them for that.  Tv- £500 DVD £100 Large Hadron Collider - £4,500,000,000 Share this post Link to post Share on other sites Share this content via...
crookesey   631 #11 Posted November 28, 2010 It really depends on the cause of the leak. If your roof is new or even newish and therefore has failed because of a storm damaging it or similar then your insurance may well pay out. If, however, it's been a few years since your roof was replaced and the damage could be wear and tear rather than accidental then the insurance company is likely to refuse to touch it.  Wrong, wrong and more wrong, it is the responsibility of the insurer to prove that the property was in poor order.  A client called and stated that the chimney stack of one of his properties had fallen on a ladies car (she was not in it at the time). The loss adjuster asked if the chimney stack was in good order, we advised that he say that he was not in the habit of inspecting chimney stacks, which was the truth. The insurer paid for the car and a new chimney stack, when insurers ask questions that you can't answer, don't answer them. Share this post Link to post Share on other sites Share this content via...
irenewilde   10 #12 Posted November 28, 2010 this is probably not covered as its classed as general wear and tear and you are responsible for the day to day up keep of your property paul  We tried to claim a couple of times in our previous house for roof leaks. Insurance always said it was "wear and tear" even when tiles were blown off by a high wind. Share this post Link to post Share on other sites Share this content via...