A damaged roof isn’t just a hassle—it’s a ticking time bomb. Leaks lead to mould, structural damage, and skyrocketing repair costs. Replacing a roof costs thousands, but what if your insurance could foot the bill?
The catch? Insurers don’t hand out payouts easily. They scrutinise claims, look for loopholes, and often reject requests outright.
So how do you make sure they pay up? Follow these key steps to turn the odds in your favour.
1. Understand Your Policy
Before filing a claim, know what your policy covers. Many UK home insurance policies include roof damage, but only under specific conditions.
- Accidental damage – Covers sudden and unexpected events, like a tree falling on your roof.
- Storm damage – Covers damage from extreme weather. However, insurers often argue about what counts as a ‘storm’.
- Wear and tear exclusion – Most policies don’t cover ageing or lack of maintenance. If your roof is over 20 years old, expect scrutiny.
- Water damage – Leaks caused by storm damage may be covered, but gradual water ingress due to poor upkeep isn’t.
Example: If high winds rip off tiles, your policy might cover it. But if the tiles fell because they were already loose, your claim could be denied.
2. Gather Strong Evidence
Insurers require proof. Without it, your claim is weak. Here’s how to build a solid case:
- Photographs – Take clear pictures of the damage from multiple angles.
- Weather reports – If your claim is for storm damage, check the Met Office records for high winds or heavy rain.
- Professional assessment – Get a roofing contractor to inspect the damage and provide a detailed report.
- Maintenance records – If you’ve had regular roof checks, provide receipts or reports.
Example: If a storm caused tiles to fly off, showing a Met Office report of 60mph winds strengthens your case.
3. Report the Damage Quickly
Time matters. Delays can give insurers a reason to reject your claim. Most policies require you to report damage ‘as soon as reasonably possible.’
- Contact your insurer immediately.
- Provide initial details over the phone.
- Follow up with written communication, including evidence.
- Ask for a loss adjuster visit to assess the damage.
Tip: Don’t start major repairs before the insurer inspects the damage. Temporary fixes (like covering a hole with a tarp) are okay to prevent further harm.
4. Handle the Loss Adjuster Visit Like a Pro
A loss adjuster works for the insurance company. Their job? To verify your claim and minimise the payout. Be prepared.
- Be present during the inspection.
- Show them your evidence (photos, reports, receipts).
- Stick to the facts—don’t exaggerate damage.
- If they dispute your claim, ask for written reasons.
Example: If the adjuster says the damage is due to ‘wear and tear,’ provide maintenance records to counter their argument.
5. Challenge a Rejected Claim
If your claim is denied, don’t accept it immediately. You have options.
- Request a detailed explanation – Ask why the claim was rejected.
- Provide additional evidence – If they doubt the storm’s strength, submit more weather data.
- Hire an independent surveyor – Their report can support your case.
- Complain to the Financial Ombudsman – If you believe the insurer is unfair, escalate your complaint.
Example: A homeowner in Manchester had their claim denied because the insurer said there was no ‘storm.’ They provided a Met Office report showing 70mph winds. The insurer then paid out.
6. Avoid Common Pitfalls
Many claims fail because of simple mistakes. Don’t let that happen to you.
- Not reading your policy – Know what’s covered before damage occurs.
- Waiting too long – The longer you delay, the harder it gets.
- Failing to document damage – No evidence? No payout.
- Starting full repairs too soon – Insurers might claim you hid the real damage.
- Accepting a low offer – If the payout is too small, negotiate.
7. Consider a Specialist Insurance Claim Handler
If you’re struggling, consider hiring a loss assessor. Unlike a loss adjuster (who works for the insurer), a loss assessor works for you.
- They negotiate with insurers on your behalf.
- They increase the chances of a successful claim.
- They often work on a ‘no win, no fee’ basis.
Example: A homeowner in Bristol had a £10,000 claim initially rejected. A loss assessor got them an £8,500 payout after challenging the insurer’s decision.
8. How a Roofing Company Can Help
A professional roofing company can be a valuable ally when dealing with insurance claims.
- Expert Inspections – They can assess damage accurately and provide detailed reports to strengthen your claim.
- Emergency Repairs – If your roof needs immediate attention, they can make temporary fixes to prevent further damage.
- Negotiation Support – Some roofing companies liaise directly with insurers to ensure fair assessments.
- Quality Workmanship – If your claim is approved, a trusted roofing company ensures high-quality repairs or replacements.
Example: A homeowner in Leeds had their claim initially reduced. Their roofing contractor provided additional evidence of storm damage, leading to a full payout.
Final Thoughts
Getting your insurer to pay for a roof replacement isn’t always easy. But with the right approach, you can increase your chances.
- Know your policy inside out.
- Collect strong evidence.
- Act fast and follow the correct process.
- Stand your ground if your claim is unfairly denied.
A damaged roof shouldn’t mean financial stress. Take control, stay informed, and make your insurance work for you.
