Category: Customers
Will my insurance policy cover damage to my roof?
Your home’s roof serves as a shield against the elements, protecting you and your loved ones from rain, wind, and – even in the UK – the sun. However, even the most well-maintained roofs can experience unexpected leaks and damage over time. But does home insurance cover roof leaks and repairs? Well, yes, home insurance can cover roof leaks and repairs, but there are things to consider.
What you need to be aware of
Standard policies typically provide coverage for sudden and accidental damage, such as heavy winds, storms or fallen trees and at, Uinsure, we guarantee all repairs for a year.
While home insurance can cover sudden roof damage, it’s crucial to note that routine maintenance and wear and tear are generally not covered. Insurance companies expect homeowners to take reasonable steps to keep their property in good condition. If a leak occurs due to neglect or poor maintenance, the cost of repairs may fall outside the scope of coverage.
What you should do if you notice damage
If you notice a roof leak, it’s important to act quickly. Document the damage with photos and descriptions and report it to your insurance provider as soon as possible.
When you file a claim for roof damage, an insurance adjuster will assess the situation to determine the cause and extent of the damage. If it’s determined that the damage resulted from a covered event and not from neglect, you’ll be able to make a successful claim.
Carefully review your home insurance policy to understand the terms, conditions, and coverage limits related to roof damage. If you’re uncertain about any aspect, reach out to your insurance provider for clarification.
Spook-Proof Your Home: A Guide to Keeping Your Home Safe at Halloween
Malicious damage claims increase by around 20% at Halloween so we’ve prepared a little guidance for how you can keep your home safe at this time of year.
Outdoor Lighting
A well-lit exterior is one of the most best ways to keep unwanted visitors away. If you can, make sure pathways, driveways, and entry points are well-lit. If you have access to motion-activated lighting this will both save energy and also give a bit of a surprise to anyone who approaches your property.
Be a good neighbour
Ask your neighbours to keep an eye on each other’s properties. If the family goes out trick or treating and leaves sweets by the door this is a giveaway for many that no one is home.
Keep Pets Safe
Halloween and then bonfire night can be overwhelming for pets, so it’s essential to keep them safe. Secure them in a quiet, comfortable area away from the front door to prevent them from escaping or getting anxious due to the constant doorbell ringing and visitors and stay with them for as long as you can.
Decorations and Safety
Decorations are an essential part of Halloween for many but it’s vital to make sure flames and candles don’t become serious hazards. Use flameless candles or LED lights in your pumpkins to avoid additional risk.
Door Security
It’s obviously important to keep windows locked but smart doorbells have show up in popularity in recent years too and are a great form of added protection. Plus, you’ll get a sneak peak of your trick or treaters…
Secure Gates and Fences
Check that your gates and fences are in good condition as they’re the first hurled for any uninvited guests.
Window Shopping
If you get tonnes of trick or treaters then you’ll also have plenty of people getting up close to your house. Keep valuable objects out of sight just in case you’re unfortunate enough to have someone who’s up to no good snooping around…
But above all – have fun. Despite malicious damage claims increasing at this time of year, they’re still rare and with good preparation you can minimise any risk.
Happy Halloween!
