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    Flat Roofed Property

    Really looking for some advice..

    i have just had an offer accepted on my first home. The property was a bargain and there are no issues with the survey. When playing about with insurance quotes, I find that 0 will insure me because the property is made up of 50%+ of flat roof.

    Does anyone else have a flat roofed property of equal quantity? if so can you tell me who your insurance company is and what your premium is. I know there are "specialist" companies however they are bound to charge ridiculous premiums of £400+ per annum which seems ridiculous.

    I am not legally bound to the property yet so I really need to find this info out before I sign missives next week.

    advice needed! I had no idea flat roofed properties were an issue before I made the offer as there is no trouble of getting a mortgage like other non standard construction buildings..

    8 Comments

    Many traditional home insurance companies do not provide cover for houses with flat roofs as these are perceived to be at a greater risk from claims arising from water and storm damage. Sorry but this has always been the case - you will end up paying a lot more on insurance premiums because of it

    sn0ttyang3l

    Many traditional home insurance companies do not provide cover for houses … Many traditional home insurance companies do not provide cover for houses with flat roofs as these are perceived to be at a greater risk from claims arising from water and storm damage. Sorry but this has always been the case - you will end up paying a lot more on insurance premiums because of it



    +1

    can you not ask the seller who they get their insurace through for the property and how much the premium is...also ask for historical premiums as they could have a discount

    Original Poster

    thanks all, i've found Towergate will insure for £292.00 per annum. seems reasonable, still nearly double what it would be if I had a traditional roof but hopefully as i get more no claims it may go down. I would plan on regulary attending to the roof anyway.

    welcome to the *joys of home ownership !!!! have you ever seen the film The Money Pit

    * I use that term loosely

    Original Poster

    i have seen that film! in fact i own it!

    Important to ask when it was last refurbished, even a quality job may not last longer than ten years I was told

    My home had a flat roof up until 3 years ago when I had it converted to an Apex - pitched roof; at a very reasonable cost of £2408. Still haven't gotten round to find out whether I will ever be able to have loft access for storage tho. I doubt it as we had a concrete flat roof with asphalt etc, so not ideal for cutting up into it.

    Good luck with the quotes, I found insurance fairly easy.
    Edited by: "evolution07" 3rd Apr 2011
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