Claims for damage caused by or to flat roofs are a very contentious area of the UK insurance market. All too often claims are made by policyholders who do not realise that flat roof coverings, even over concrete, have a limited life span.

Therefore, it is essential that insurance policyholders (or someone on their behalf) whose property has a flat roof inspect it regularly and repair or replace the coverings before problems arise. Checks done now could prevent the costly consequences of neglecting a leaking roof, i.e. damp, rot and rain damaged ceilings and walls, not to mention household goods/contents.

Usually it is a condition precedent to liability with most building insurance policies that all flat roof sections must be less than 10 years old and if this condition cannot be met then all liabilities for claims arising to or as a result of the roof are excluded.

Below is a guide to help with the upkeep of flat roofs.

Inspection Checklist

• Allow access to the flat roof only if it is specifically designed for it and limit the access only for essential purposes.
• Inspect twice a year.  Try to do one inspection after rain to see how well the water is draining away.  (Before attempting any inspection ensure that access is safe and secure)
• Protective Finish – fix or replace any bare patches as necessary
• Outlets & gutters – clear any leaves, debris etc
• Flashings – note any signs of deterioration and keep an eye on them for further damage
• Puddles on roof – note position and approximate size
• Joints – note any sign of deterioration and repair immediately
• Edge Trims – note any signs of deterioration
• Blisters – note position and extent
• Keep a record of the date, time, weather conditions and results of your inspection

If the roof does require attention and you want to take a look yourself, of course do take care or perhaps use some binoculars and zoom in on potential trouble spots. It would however be more beneficial to arrange for a roofer/builder to do the job for you.

Where can I find a trusted/reliable contractor?

Don’t trust a so-called expert who calls to say he was just passing and happened to notice your roof is about to fall in. Most of the time they will only be out to make a quick buck and will not solve the actual problem with your roof.

Don’t choose the first builder you see advertised. Have relatives, friends or neighbours used a company that proved to be reliable on a previous job? After all, word of mouth is the best recommendation.

Ask if the contractor is a member of a trade association that may give you extra security should a dispute arise. Contact the relevant trade association to find a member in your area.

Call the Professionals

The National Federation of Roofing Contractors (NFRC) will be able to help you to locate a reliable local company and give you free advice.

The NFRC recommends you obtain at least three written quotations before commissioning any work.

Paperwork should be formally headed, include an address and a landline telephone number.  Be wary if only a mobile telephone number is supplied.

For more information about the NFRC visit their website www.nfrc.co.uk