Home 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 and buy directly online without any delays from having to go 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 flat roofs even if the rest of your property is non-standard construction
  • Recent repairs can also be covered
  • If you are unsure of what your roof material is made from, please contact us first

Wide acceptance of roofing materials

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 considered. 





Need a little help quoting?

We have insurance experts ready to help if you want to ask a question. 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).


Illustration Flat roof insurance


Are flat roofs covered by insurance?

Flat roof properties are deemed a higher insurance risk, for two primary reasons; they offer an easier route of access during burglaries and can 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 flat roof due to its inability to drain the stagnating water.

Diagram showing three different property types with different roof structures flat roof insurance

What is a flat roof for insurance purposes

Whilst there is no definite method to calculate 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 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?

Any roof with a pitch or slope less than 10°.

Flat roof on house

Home insurance flat roof extension

The most common root cause of a property having a percentage of the roof being classed as flat. This can be an extension of the property footprint or a vertical extension/conversion e.g. loft conversion.

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

Flat roof extension on normal property


How do I calculate how much of my roof is 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 on 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.

Flat roof extension on property

Flat roof insurance problems

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 your 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 and 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.

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 roof
    • Positives: low cost, proven results, suits roofs of any size
    • Negatives: More complex to install, suffers a poor reputation from older systems

Blow torch being used to weld flat roof

  • Asphalt 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 roof
    • Positives: Lightweight, flexible, hard wearing
    • Negatives: May shrink over the years, may not suit complex roof design
  • GRP fibreglass 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 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’. Click here to learn more.

Flat Roof Insurance damp damage to roof and ceiling


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 by 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.


Modern property with a flat roof design

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 is the rebuild cost of my property?

Calculating a building’s rebuild cost will require the use of a buildings rebuild cost calculator. Learn more about why using an appropriate figure for your rebuild cost is essential to avoid underinsurance. 

Why not use our inbuilt rebuild cost estimator?

We have a direct link to the BCIS rebuild cost estimator in our quote system that automatically suggests an estimated rebuild cost for you to use in your insurance quote. Remember, this is an estimate and should be treated as such to avoid under-insurance.

Degrees of roof pitch

Illustration to show degrees of roof pitch