Flat roof insurance for a property with a full or partially flat roof

Properties with full or partial flat roofs are one of our specialist risks we can protect you for at CoverBuilder. You can quote for Flat roof insurance online meaning you can avoid going through your situation over the phone.

  • Specialist cover for roofs up to 100% flat
  • Wide acceptance of roofing materials (see below)
  • Cover at standard rates for a variety of non-standard construction materials
  • We can insure unusual roof types even if the rest of your property is standard
  • Recent repairs can also be covered



How to correctly insure your flat roof

Flat roofs are deemed a higher insurance risk, for two primary reasons; they offer an easier route of access during burglaries and can often be the cause of internal water damage to a property. As our poor climate means that we are no strangers to rainy weather, a large downpour of rain or snow can cause water to pond and weaken the roof due to its inability to drain the stagnating water.


What is a flat roof for insurance purposes?

The video below is a guide on what a flat roof is and helps you to understand how to answer this when quoting for home insurance.

Whilst there is no definite method to calculate what the exact percentage your roof is flat, generally, the ‘insurance flat roof percentage’ of is any roof with a pitch or slope less than 10°. These flat roofs tend to be commonly found on extensions to existing properties but can also be the main property covering.


What is the definition of a flat roof?

This is basically classed as any roof with a pitch or slope less than 10°.

Degrees of roof pitch

Illustration to show degrees of roof pitch


What information will I need to quote for ‘flat roof insurance cover’?

  • An approximate % of the roof that’s flat
  • An idea of what your roof is made out of

Wide acceptance of roofing materials

We offer one of the widest acceptances of roof materials under our flat roof insurance cover.

Aluminium, asbestos, asphalt, concrete, copper, corrugated iron, EPDM, felt on timber, fibreglass, glass, green roofs, lead, metal, plastic, polycarbonate, reinforced PVC, shingle, shingle-asphalt, shingle-pine/spurce/cedar, slate, stramit, tile, timber, turnerised, zinc & others also considered. 


Need a little help quoting?

We have insurance experts ready to help if you have a question about flat roof insurance. Our average call answering is under 1 minute so give us a call on 0333 358 3359 or chat with us online via our livechat option (bottom right).



  • How to calculate the percentage of your roof thats is classed as flat
    How to calculate the percentage of your roof thats is classed as flat

The first suggested method of calculating how much of your roof is flat is to consult your homebuyer’s survey. Another alternative is to contact your local builder or surveyor who will be able to provide you with an accurate calculation of the flatness of your roof. If the above is not an option, you can utilise free online sources such as Google Earth to retrieve an aerial view of your property or simply judge the flat roof percentage by eye.


Typical problems from a flat roof

Generally, insurers will build your premium based on how much of your roof is flat. In most instances, if your roof is more than 30% flat, you will expect to pay a higher premium as more of your property is exposed to risk. Contrastingly, if your roof is less than 30% flat, your premium will remain largely unaffected.


house with flat roof extension to attic


Why choose CoverBuilder for flat roof insurance?

Mainstream insurers have a tendency to avoid non-standard risks, with flat roof properties being no exception. You will need to contact a specialist insurer to source home insurance for flat roofs.

If your home falls within this bracket, we’d be more than happy to help you at CoverBuilder. We believe that your flat roof home insurance doesn’t need to be difficult or costly to purchase. Therefore, we’re here to help you keep on top of it all. Offering a range of quotes from the UK’s top blue-chip insurers, we hope to offer you the cover you need for your non-standard home.

  • Customer service review buildings insurance


More information about flat roof properties


Flat roof extension on property

The positives and negatives of flat roofs

There are many materials we can cover here at CoverBuilder. A common question we are asked when quoting for insurance is ‘What is a flat roof made of?’ The most popular core materials are listed below along with a summary of their positives and negatives.


Felt RoofFelt roof

Positives: low cost, proven results, suits roofs of any size

Negatives: More complex to install, suffers a poor reputation from older systems



Asphalt RoofAsphalt roof

Positives: Competitively priced, hard wearing, suitable for most sizes, long lifespan

Negatives: Relatively heavy and requires a strong roof structure, not flexible, not DIY friendly



EPDM Rubber RoofEPDM rubber roof

Positives: Lightweight, flexible, hard wearing

Negatives: May shrink over the years, may not suit complex roof design



GRP Fibregrass RoofGRP fiberglass roof

Positives: Lightweight, hardwearing, smooth finish with no unsightly joins, long lifespan

Negatives: Not very flexible, does not suit large surface areas easily, slippy when new



Single ply flat roofingSingle ply membrane like PVC, TPO, TPE, & PIB

Positives: Lightweight, flexible, pleasant to look at, handles slopes and large areas, fire resistant and durable.

Negatives: Higher installation costs compared to other flat roof systems



RICS provide more information on ‘The pros and cons of what to consider if you are looking to buy, or already own, a home with a flat roof’.

The importance of maintaining a flat roof

The maintenance of your flat roof does depend on your insurer however it is very much a set requirement for most. Failure to maintain your flat roof can lead to the invalidity of your insurance policy, even if you have the necessary cover in place. It is recommended that you arrange maintenance on a regular basis such as the removal of debris, moss, and leaves from your roof and drains.

It is worth checking your policy wording to find out how often your insurer requires the flat roof to be inspected. A certified roofer will inspect your flat roof for any cracks, splits or punctures, particularly following the event of heavy rain or snow downpour.

Flat Roof Insurance damp damage to roof and ceiling

Modern properties

If your property has been designed to incorporate flat roof spaces as part of its architecture, our home insurance can cover you. Regardless of build style or property age, we’ll only ask what the roof is made from. We cover a wide variety of common and even more specialist roofing materials.

Flat Roof Insurance CoverBuilder.co.uk


What roof type does your property have?

There are many different roof types and materials that can be used t roof your home. Our flat roof insurance is designed to cover all the standard and many of the more unusual types. This also includes totally flat roof types.


Butterfly RoofButterfly Roof

The butterfly roof can be best described as an inversion of the standard roof form. This is because its two roof surfaces sloping down from opposite sides to a valley in the middle of the roof. It gets its name from the resemblance it has to a pair of butterfly wings.




Gable and Valley RoofGable and Valley Roof

A gable roof is the sort of structure that a child would typically draw, with two sloping sides that meet at the central highest point. If a building has an extension such as a porch, this can have a further gable roof at a different orientation. Roof valleys are the ‘V’ shaped metal channels that run up and down the joins of a roof and can be used with a variety of structural styles.




Gabel Roof with Dormer

Gable Roof with Dormer

A gable roof with a dormer has the same basic structure as a traditional gable roof. However, it has the addition of windows within the roof.  These will serve the dual purpose of adding more headroom in the higher floors and providing more natural light. A simple gabled roof on your dormer helps disperse water away from the window, instead of running down the sides.




Gambrel RoofGambrel Roof

A gambrel roof is usually a symmetrical two-sided roof with two slopes on each side. The upper slope is usually at a gentle angle, while the secondary slope below it is steep – giving the building it’s distinctive appearance. This type of roof is also commonly referred to as a ‘Dutch roof’.





Hip RoofHip Roof

In a hip roof, all of the sides (usually 4) will slope down towards the ground, usually at a very gentle gradient. This means therefore that a hip roof has no gables or vertical sides. This type of roof is commonly seen on bungalows and cottages.




Hip and Valley RoofHip and Valley Roof

This has the same basic structure as the standard hip roof, with all of the sides sloping towards the ground but with the addition of roof valleys. These are the ‘V’ shaped metal channels that run up and down the joins of a roof and can be used with a variety of structural styles.




Pyramid Hip RoofPyramid Hip Roof

A pyramid hip roof is one of the many variations of a hip roof, with its lack of gables or vertical sides. As it sounds, a pyramid version of such a roof forms a pyramid shape and is usually constructed on top of a small square or rectangular frame. It is most suited to small sections of the home such as garages and porches.




Saltbox RoofSaltbox Roof

These are usually characterised by a long pitched roof that slopes down at the back. This style of roof is most commonly used on wooden frame buildings. The two unequal sides of the roof and also its asymmetry are some of its most distinctive features.




Shed RoofShed Roof

A shed roof is constructed of a single sloping plane without the addition of any gables, ridges or valleys. This is one of the simplest and cheapest roof styles to install. However, it can often be more vulnerable to weather damage.




Standard flat roofStandard level Roof

As it sounds, this is a roof that has no pitch or gradient. It is a popular choice for extensions due to its cost-effective and easy installation. One of the main drawbacks of this style of roof is that it has a relatively short shelf life. Some styles needing to be replaced as frequently as every 10 years.