Flat Roof Insurance

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How your flat roof may affect your home insurance

If your home has a flat roof, it is considered by most insurers to be of non-standard construction. Even small parts of flat roof must be declared to insurers – this includes flat-roofed outbuildings and sometimes even sheds. In fact, most roofs, if not pitched and built of tile or slate, are deemed to be of non-standard construction.

Different insurers have varying definitions of a flat roof, which makes it hard to get the insurance you need from an online comparison site or when using a call centre.

If your home doesn’t fit the norm, you should talk to an insurance broker. Aston Lark will help to navigate the myriad of policies and requirements so that in the event of a claim, you’ll know you are covered. Traditionally, flat-roofed homes cost more to insure as there is a higher risk of damage during wet weather. More modern flat roof techniques are much less likely to leak – we understand this. We’ll take the time to listen to you and if you maintain your roof to a high standard, we’ll explain this to insurers.

We don’t just deal with one insurer and we don’t just offer a one-size-fits all policy. We offer a range of policies from a selection of quality insurers.


Read our article on how to maintain your flat roof:

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Frequently Asked Questions

What is a flat roof for insurance purposes?

Whilst the definition of a flat roof is relatively obvious, what’s not so clear is whether you need to disclose your flat roof to the insurers. A small flat roof on a porch canopy may not need to be disclosed, but what about a flat-roofed extension or garage? Online comparison sites ask what percentage of your roof is flat. If you don’t know or aren’t sure, you need a broker. Aston Lark can help you find insurance for homes with partial or total flat roofs, made from felt, asphalt, fibre-glass or rubberised membrane.

Are flat roofs more expensive to insure?

Traditionally, flat-roofed homes cost more to insure as there is a higher risk of damage during wet weather. However, more modern flat roof techniques are much less likely to leak.  If you maintain your roof to a high standard, we’ll explain this to insurers and negotiate on your behalf. Read our advice on how to maintain your flat roof.

Are flat roofs covered by a standard buildings insurance policy?

You will need to declare your flat roof to your insurer and some insurers struggle to accommodate anything ’non-standard’.

Aston Lark….For the exceptional