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Are you renewing your household insurance? Get a Roof Condition Survey

While I don’t have specific insurance companies to recommend, I advise shopping around.


Here are key points to consider:

  • Existing Insurance History: Your current insurer knows your property and claims history. A new insurer might question the origins of any issues that arise, especially significant ones like structural problems or subsidence.

  • Proving New Problems: Switching insurers require proof that any new issues are not pre-existing. Without this proof, a new insurer might dispute claims by deeming them historic.

Steps Forward:

If you decide to switch insurers, it’s essential to have your property well-documented. Here’s how you can proceed:

Drone photo when downing a Roof Condition Survey
  • Roof Condition Survey:  Insurers are increasingly requiring this. At £420 Plus VAT, it provides peace of mind and solid evidence of your roof’s condition. Many insurers now ask for these reports to be updated every two years, although some require annual updates or every five years.

  • Property Survey:  Consider a full property survey, preferably by an engineer. This will provide a comprehensive assessment of your property’s condition at the time of the insurance switch, safeguarding you against potential disputes.


Benefits:

A roof survey not only helps in securing better insurance terms but also aids in maintaining the health of your roof. Insurance companies use these reports to reduce claims for roof-related issues by identifying potential problems early.

In summary, a roof survey is a worthwhile investment for both securing better insurance terms and ensuring the longevity of your roof. If you’d like to proceed with a survey or need further assistance, please let me know.



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