Flat roof insurance is essentially home insurance for properties where part or all of the roof is flat. You can expect similar benefits to a standard home insurance policy, but it might be more expensive.
This is because insurers view flat roofs as a higher risk. They’re more likely to be damaged in bad weather and develop leaks. Flat roofs may also make a building less secure, as they’re easier for burglars to move around on.
On average, flat roof home insurance costs more than a standard policy because of the increased risk of making a claim.
| Flat roof percentage | Average annual cost of combined home insurance* |
|---|---|
|
0%
|
£201
|
|
10%
|
£222
|
|
20%
|
£225
|
|
30%
|
£239
|
|
40%
|
£260
|
|
50%
|
£281
|
|
60%
|
£325
|
|
70%
|
£356
|
|
80%
|
£342
|
|
90%
|
£291
|
|
100%
|
£260
|
The price you pay varies depending on factors including:
The usual factors insurers consider for home insurance also apply, such as:
For tips on how to reduce costs, our guide on cheaper home insurance could help.
*Average cost of a combined home insurance policy with a flat roof. Based on Confused.com data, January - March 2024
To get a quote you'll need all the same details about you and your home as you would for standard home insurance. But we’ll also need a little bit more information about your roof, including:
You’ll also need to tell us:
As flat roofs are more vulnerable to bad weather than sloping roofs, you should do what you can to protect yours and potentially reduce the cost of your insurance:
Inspecting your flat roof regularly for any pools of water or visible damage at least a few times a year.
Keep your roof clean and remove any algae, moss, fungus or debris.
To reduce the risk of debris falling from nearby trees and damaging your roof in high winds, cut back any overhanging branches.
Fitting a good, working drainage system with plenty of guttering means water can easily drain away and cause no issues.
If you're thinking about carrying out work on your roof, make sure to take all safety precautions. For anything more complex, the HSE state that those carrying out work must be trained, competent and instructed in the use of precautions.
You might also want to think about ways of improving your home security:
Installing anti-climbing equipment such as barriers, paints and warning signs can deter burglars from climbing onto your flat roof.
Make your roof space less inviting to thieves by installing security cameras. They can also help identify criminals if you are burgled.
Security lights with motion sensors can help deter thieves at night.
Security alarms can put criminals off trying to break in and may help stop a burglary if anyone does break in.
On your windows and doors, installing better locks can provide an extra layer of protection.
"If any part of your home, outbuildings or garage has a flat roof, you need to tell us the percentage that’s flat to be able to compare quotes for the cover you need.
If you’re not sure how much of your roof is flat, check the homebuyer survey from when you bought your home or ask a surveyor."
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