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What is flat roof insurance?

Homes that have a flat roof are harder to insure because of the higher risk of damage to the property during wet weather. Flat roof insurance is a buildings insurance policy that provides cover to flat roof properties. It offers very similar protection to a standard home insurance policy but can cost more and sometimes comes with a requirement that the roof is professionally checked every few years.

Why do you need flat roof insurance?

Flat roofs are more susceptible to water ingress. They are at particular risk during heavy rain, storms and snow. If water is allowed to remain on the roof, then it will cause it to deteriorate over time. Some insurers will charge an unreasonable amount of premium to insure your flat roof but Stanhope can arrange a specialist solution for you at a competitively priced premium.

What types of flat roofs can you insure?

We can insure typically all types of flat roof constructions including

Non-standard construction essentially means that the walls are not made of standard brick or stone and there is no slate or tile roof. Please see below a list of some of the types of materials and properties we can insure.

  • Felt and timber frame
  • Asphalt
  • Rubberised compounds
  • Fibreglass mix
  • Green roofs

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Alternatively, please contact an insurance advisor on 01730 777 600.


Our flat roof home insurance includes:

  • 100% flat roofs are covered
  • Typically, there is no increase in premium charged until over a 50% proportion of your roof is flat
  • Flexible roof inspection conditions. Usually none are required until they reach 12 years of age
  • Garages and extensions are included
  • Comprehensive alternative accommodation cover in the event your property is damaged from water ingress.

What questions about my roof do you need to know?

First of all, we will need to estimate what percentage of your roof is flat. Then we will ask you if the roof has modern materials that provide better resistance against the weather than older roofs. We will then ask you whether the roof has recently been prepared.

How can I best protect my flat roof?

  • Waterproof the roof
  • Install a good drainage system
  • Add insulating material above the decking
  • Enhance your security features to deter burglars

Flat Roof Insurance FAQs

What actually is a flat roof?

A roof is flat if it has a slope of less than 10 degrees. A flat roof has a low or non-existent pitch and usually is made of timber frames covered in material such as felt and concrete.

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