Storm Damage to Flat Roof
Storms are normal in the winter, Overall, the period from mid-December 2013 to mid-February 2014 saw 12 major storms, and, was the stormiest period of weather the UK has experienced for at least 20 years. The UK is currently experiencing a cluster of storms with Storms Brendan, Ciara and Dennis battering the country causing floods, storm damage and travel chaos.
So, what if these high winds damage your flat roof?
Your insurance policy should typically cover financial loss caused by storm damage. Although, it depends on the severity of the weather and the condition your flat roof was in before it was damaged. Many insurers exclude damage caused by wear and tear or gradual deterioration. If your insurance company decides that your flat roof was in a “poor state of repair”, they will almost certainly refuse to pay out.
My Insurance Said It Wasn’t a Storm!
The Financial Ombudsman often sees complaints surrounding disputes between insurers and property owners as to what constitutes a storm. If you look at your policy, you may find that it does not define what a storm is. The Financial Ombudsman states that a ‘storm generally involves violent winds, usually accompanied by rain, hail or snow. The Beaufort Scale categorises wind speed on a scale. However, storm damage may occur without high winds, which can further confuse clims.
Snow Damage to Flat Roof
Snow can also cause damage to your flat roof. A snowstorm is an intense quantity of snowfall over a brief period. If your roof collapses after a snowstorm you should be able to make a claim. However, if snow has fallen slowly over several days before your roof collapsed, you will probably have to pay for repairs yourself. This is because, according to your insurers, you should clear the snow before the damage occurred.
Who can I Call to fix my Flat Roof?
Lancashire Flat Roofing-we provide all aspects of flat roofing across Lancashire, The Fylde Coast and South Lakeland. We believe in getting the job done to an excellent standard, on time and within budget. As a leading flat roofing specialist, Lancashire Flat Roofing offers clients a full range of flat roofing services-
- Emergency repairs
- Roof installation
- Firestone EPDM flat roofing system
- GRP Fibreglass roofing system
- Liquiflex-Pro flat roofing system
- Roofline installation and repair (Gutters, fascia, soffits etc)