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Flat Roof Insurance

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What is Flat Roof Insurance?

Flat roof insurance is a specialist form of home insurance that provides cover for properties where more than 25% of the roof is flat. Due to increased risks like water pooling, storm damage, or quicker deterioration, many standard insurers won’t provide cover—or charge significantly more.

We help you find reliable and competitive cover that suits your property’s unique construction.

Do I Need Specialist Insurance for a Flat Roof?

You may need flat roof insurance if:

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Your property has more than 25% flat roof area
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Your roof is made from felt, asphalt, or similar materials
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You want to avoid cover limitations or exclusions from a standard home insurance policy
Homes with flat roofs are often considered non-standard, which is why standard policies may fall short. Our panel of UK insurers can offer bespoke protection to suit your home.

What Does Flat Roof Insurance Typically Cover?

Our tailored flat roof insurance policies may include:
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Buildings insurance
Covers your home’s structure, including the flat roof
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Contents insurance
Protection for your personal belongings inside
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Storm & Weather Damage
Essential for flat roofs prone to water pooling
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Non-Standard Property Insurance
 Perfect for homes with unique construction or roofing materials

Flat Roof Insurance for Landlords

If you rent out a property with a flat roof, standard landlord insurance may not provide the full protection you need. Many buy-to-let insurers place restrictions on properties with flat or non-standard roofing.

We offer specialist flat roof landlord insurance which can include:

  1. Buildings & contents cover for let properties
  2. Property owners’ liability insurance
  3. Tenant-related damage protection
  4. Cover for unoccupied periods

Whether you own one property or manage a portfolio, InsureMy can help you stay compliant and protected.

The average cost of caravan insurance by caravan value
The average cost of caravan insurance by caravan value

How Much Does Flat Roof Insurance Cost?

Flat roof insurance tends to cost more than standard home insurance, due to the increased risk of damage or repairs. Premiums depend on:

  1. Roof type and materials (e.g. felt, EPDM, fibreglass)
  2. Percentage of flat roofing
  3. Age and condition of the property
  4. Location and claims history
  5. Occupancy (owner-occupied or tenanted)

While prices vary, our customers benefit from competitive quotes tailored to their property type and risk level.



Why Choose InsureMy?

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Specialist in non-standard home insurance
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Flat roof experts – From bungalows to Victorian conversions
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Real people, real advice – Friendly support team
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Quote comparisons made simple – One form, multiple insurers
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Fast, easy process – Get covered in minutes
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FAQs – Flat Roof Insurance

What qualifies as a flat roof?
Can I get insurance if my flat roof is old or in poor condition?
Will I pay more for flat roof insurance?
Is a flat roof covered under normal home insurance?
Does flat roof insurance cover leaks and water ingress?
Can landlords with flat roof properties get insured?

Here for you

Our friendly team is here to help you

Our team of dedicated insurance specialists are here to help, no matter what type of query, we’re ready for you.

Call us on 01608 647400

Get Your Flat Roof Insurance Quote Today

Whether your home has a flat roof, is listed, or simply doesn’t fit the standard mould – InsureMy helps you find the right protection at the right price.

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Find a policy that works for you and your insurer.

You can call us on
01608 647400
Monday - Thursday 9am - 7:30pm, Friday 9am - 5:30pm,
Saturday 9am - 5pm