The short version
General information, not advice
- Sudden storm damage usually covered
- Wear and tear not covered
- Maintenance is homeowner responsibility
- Insurers require proof of cause
Roof repairs are expensive, and whether insurance pays depends entirely on what caused the damage. This guide explains how home insurance treats roof claims.
What is covered
Roof repairs usually fall under your buildings insurance, but only when the damage comes from a sudden, insured event. Most standard UK buildings policies cover storm damage from high winds, heavy rain, snow or hail; impact damage from fallen trees, debris or vehicles; fire; and falling objects such as tiles dislodged by an impact.
The phrase insurers rely on is "sudden and unforeseen damage". If strong winds strip tiles overnight, that may qualify as storm damage. If tiles gradually deteriorate over years, it won't.
When they assess a claim, insurers typically weigh the official weather data for your postcode, wind-speed thresholds (often around 55mph as a benchmark), the age of the roof, its maintenance history, the condition of nearby properties, and any sign of long-term deterioration. A loss adjuster may inspect the roof or ask for contractor reports before approving the work.
What is not covered
Most roof claims are refused because the insurer treats the problem as wear and tear rather than insured damage. Missing or slipped tiles from age, gradual deterioration, poor installation or workmanship, neglected maintenance, rotting timbers and purely cosmetic damage are all commonly excluded.
Insurance is not a maintenance plan. Once a roof reaches the end of its natural life, replacing it is the homeowner's responsibility. Insurers will often argue that the wind merely exposed an existing weakness rather than caused new damage, which is exactly why evidence matters.
Making a claim
Following the right process improves your chances. Photograph the damage straight away, from several angles, before any temporary repair. You have a duty to limit further loss, so a tarpaulin over the gap may be appropriate. Report the incident to your insurer as soon as you reasonably can, and get one or two written repair quotes if they ask. Emergency works are usually allowed, but don't authorise major repairs until the insurer has agreed them. Keep everything in writing, along with contractor reports and receipts.
Disputes and escalation
If your claim is rejected, ask for a detailed written explanation and the specific policy wording the insurer is relying on, then put in a formal complaint through its complaints procedure. If that doesn't resolve it, you can escalate to the Financial Ombudsman Service:
Financial Ombudsman Service 0800 023 4567
You must refer the complaint within six months of the insurer's final response letter. The Ombudsman can require the insurer to reassess the evidence and may award compensation if the rejection was unfair.
Two things decide most roof claims: the weather data for the day, and the evidence you can show. Keep maintenance records, photograph damage before any repair, and remember that the escalation window is time-limited.
Key takeaways
- Insurance covers sudden events
- Maintenance is homeowner responsibility
- Document damage quickly
- Escalate disputes if necessary
Common questions
Does home insurance cover roof leaks?
It depends on the cause. Leaks caused by storm or impact damage are usually covered. Leaks caused by wear and tear or poor maintenance are typically excluded.
What wind speed qualifies as storm damage?
Insurers often refer to wind speeds of around 55mph or higher, but each case is assessed individually using local weather data.
Will insurance pay for a full roof replacement?
Only if sudden insured damage makes replacement necessary. Gradual deterioration or old age is not covered.
Do I need to maintain my roof for insurance to remain valid?
Yes. Insurers expect reasonable maintenance. Failure to maintain gutters, flashing or tiles may weaken your claim.
Can I carry out emergency repairs before approval?
Yes, if necessary to prevent further damage. However, you should document everything and inform your insurer immediately.
What evidence helps support a roof claim?
Clear photographs, contractor reports confirming storm damage, maintenance records and local weather reports.
What if my insurer says it is wear and tear?
Ask for written reasoning and the specific policy wording relied upon. If you disagree, follow the complaints process and escalate if needed.
How long do I have to complain to the Financial Ombudsman?
You must escalate within six months of receiving the insurer's final response letter.
Does excess apply to roof claims?
Yes. Buildings insurance excess applies, and some policies have higher excess levels for storm damage.
Are flat roofs treated differently?
Often yes. Some insurers apply stricter terms or exclusions to flat roofs, especially if older than 10–15 years.