Does building insurance cover storm damage to roofs?

Yes, the majority of buildings and contents insurance policies will cover storm damage. If the damage is so severe that your home has become uninhabitable your policy should cover alternative accommodation until all of the appropriate repairs have been made. We always recommend that you thoroughly check your buildings and contents cover before signing it, there should be storm and weather damage included in the policy, but the amount of coverage varies depending on your provider.

Always check your insurance policy

image of damaged gutteringWhen you first take out your buildings and contents insurance it’s absolutely crucial that you thoroughly read through everything that will or won’t be covered. Storm and weather cover and home emergency cover are two must-have additions. If you can’t see either of them in your current policy, it’s always worth contacting your provider to see if these can be added in.

If your policy does cover storm damage to your roof it’s important that you understand the exact cover, you have to work out exactly what you’re covered for. There are certain things that can invalidate your policy and knowing these in advance prevents you from having to foot a nasty bill.

Will your building insurance cover roof leaks and damages?

If the storm has caused severe damage to your roof, you can rest assured that your policy will cover the repairs. Severe damage could be anything from falling and missing roof tiles to completely blown-off roofs. Having emergency cover included within your policy can help repairs be completed faster, preventing further damage to your home.

If your roof has started to leak during the storm, it’s important that you have a professional come out and repair this immediately to prevent further damage. However, many insurance policies don’t cover damage due to wear and tear. If your roof or roofline is old, they’re very likely to have suffered wear and tear. If your roof leak has been caused by what would be considered standard wear and tear, your insurance policy is very unlikely to cover you. Instead, you’ll be left with a large bill.

Keep up with your roof maintenance to keep your policy valid

Properly maintaining your roof and all its elements will ensure your policy is valid andGuttering your home remains covered. The material of your roof shingles will determine how often you should be maintaining them. However, we recommend homeowners keep a regular eye on them, especially after a period of bad weather. If you’ve recently moved into your home, it’s 100% worth having a roof inspection carried out. This identifies any wear and tear that the roof has experienced and will provide you with an idea of the quality of your existing roofing.

Taking care of your roofline is just as important as your roof shingles. Maintaining your guttering is relatively simple, perform regular cleans to remove dirt and debris from within the gutter pipes. It’s not uncommon for old pipes to develop cracks or holes but these do need repairing immediately to prevent other problems from occurring. At Cliffside, we’re able to replace your guttering with high-quality uPVC gutters to ensure they’re able to work effectively.

Upgrading to uPVC fascia boards and soffits is the perfect solution for homeowners who are looking to refurbish their existing roofs. The soffits and fascia boards protect the join between your roof and outer walls. As uPVC is incredibly low maintenance and durable it makes for the perfect material for your roofline. Our systems are able to withstand harsh British weather conditions without rotting or affecting the structural integrity of your home.

High-quality uPVC roofline and guttering installed by Cliffside Windows

At Cliffside windows, we’re able to confidently install fascias, soffits and guttering to keep your roofline maintained and your insurance policy valid. If you are interested in replacing your roofline or you’re in need of repairs, please don’t hesitate to contact us. You can speak to a member of our dedicated team by calling us on 0800 9700 190 or get your free online quote.

Alternatively, pop down to our Dunston showroom to see our product range for yourself