If you suddenly find yourself with major problems with the roof of your property many people hope that they will be able to claim on their house insurance but unfortunately many house insurance policies only cover damage due to weather events or an accident for example if a tree falls on the roof not for general wear and tear. It is important to remember however that any internal damage that is caused by the roof leaking is covered under most household policies.

It is important to keep the roof in good repair as not only will it minimise the risk of problems with the roof but also in the event of a claim on the policy the assessor will be able to see that the roof has been adequately maintained not left in disrepair. Keep evidence of any remedial work that has been carried out on the roof in the form of receipts and photographs.

Once the roof damage has been assessed it is important to get the repairs completed promptly to avoid further damage to the interior of the property. The insurance company may have their own contractors who can arrange the necessary repairs to be carried out as soon as possible.