You can be assured your insurance claim will move smoothly with our trained dedicated insurance advisers whom will help prepare your insurance application and communicate directly with your insurers to ensure a smooth running.

When you make a claim against your insurers, you have every right to expect them to honor their contract with you.  Your insurance policy is a legal contract which contains terms, conditions, exclusions, and 'small print' all of which are open to interpretation.  Can you confidently claim to understand ALL of the policy wording and do you know how the insurance company is likely to respond to your claim?, well not to worry our insurance advisers are here to help.                                                                                        

Our insurance advisers are here to fight your corner and represent your interests. Your insurers will employ a loss adjuster to protect theirs.

The Loss Adjuster's job is, firstly, to try to avoid paying anything at all by repudiating liability and, secondly, if they have to, to pay the legal minimum.
OUR INSURANCE ADVISERS WILL ENSURE YOU RECEIVE YOUR FULL ENTITLEMENT AND THE MAXIMUM SETTLEMENT WHICH YOUR POLICY ALLOWS. In addition, our insurance advisers will save you a great deal of time and inevitable aggravation. You can rest assured that your claim is being handled by professionals whose sole aim is to protect YOUR interests and bring about a speedy settlement.
Flat Roof Claims and Maintenance

Claims for damage caused by or to flat roofs are a very contentious area of the UK insurance market. All too often claims are made by policyholders who do not realise that flat roof coverings, even over concrete, have a limited life span.

Therefore, it is essential that insurance policyholders (or someone on their behalf) whose property has a flat roof inspect it regularly and repair or replace the coverings before problems arise. Checks done now could prevent the costly consequences of neglecting a leaking roof, i.e. damp, rot and rain damaged ceilings and walls, not to mention household goods/contents.

Usually it is a condition precedent to liability with most building insurance policies that all flat roof sections must be less than 10 years old and if this condition cannot be met then all liabilities for claims arising to or as a result of the roof are excluded.

Below is a guide to help with the upkeep of flat roofs.

Inspection Checklist

  • Allow access to the flat roof only if it is specifically designed for it and limit the access only for essential purposes.
  • Inspect twice a year.  Try to do one inspection after rain to see how well the water is draining away.  (Before attempting any inspection ensure that access is safe and secure)
  • Protective Finish – fix or replace any bare patches as necessary
  • Outlets & gutters – clear any leaves, debris etc
  • Flashings – note any signs of deterioration and keep an eye on them for further damage
  • Puddles on roof – note position and approximate size
  • Joints – note any sign of deterioration and repair immediately
  • Edge Trims – note any signs of deterioration
  • Blisters – note position and extent
  • Keep a record of the date, time, weather conditions and results of your inspection

If the roof does require attention and you want to take a look yourself, of course do take care or perhaps use some binoculars and zoom in on potential trouble spots. However it may be more beneficial to arrange for our free survey service, our surveyor will inspect and report on any defects and the remaining life in the flat roof.

                                                                        0800-048-1001

  FREE PHONE ROOFCARE CENTRE