Flat Roof and Wood Built Home Insurance
Posted: March 2nd, 2009 | Author: George | Filed under: Home Insurance | Tags: flat roof home insurance, wood built home insuranceThe buying and selling of insurance has become very automated these days, helped along in no small part by the internet. It has become mostly a one size fits all approach so insurers can box you and process you online, however should your house or your circumstances be slightly different you will find it impossible to buy corectly from online insurers, or at worst end up with a worthless certificate of insurance.
You will need specialist cover if your house has a larger than usual flat roof, when you disclose this most mainstream insurers will not want to cover your property. The reasoning behind this is two fold - they often do not have the specific knowledge of the risk that is required and their selection of underwriters in that niche is limited at best. Flat roofs despite any guarantee given by builders do not last in reality much more than 5 years and recent UK weather is of course a major factor too. If there is even a tiny pin hole in the surface water will seep in and often builds up to a point when it will burst damaging not only the building but also the contents.
There are also issues with properties with a high percentage of wood, such as log cabins and seaside type holiday homes used for year round residence. Although this does add character to a property it can make them more vulnerable to fire claims particularly. Please always check with your insurer rather than be faced with a claim that is refused. If in doubt please check
with a specialist broker such as Adrian Flux who can be contacted on 0800 089 0184.
