Does House Insurance Cover Roof Leaks? A Comprehensive Guide

Many homeowners assume that roof damage is always covered by home insurance. In reality, it depends on the cause, the type of roof, and the terms of your policy. Roof cover isn’t separate; it falls under your buildings insurance, which typically protects against sudden events like storms or falling trees.

At rivr, we include all-risks buildings cover as standard, so roof damage is insured unless specifically excluded. This guide explains what’s covered, what’s not, and how to make a successful claim if your roof starts to leak.

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What does roof insurance cover?

Note: Roof insurance is not a standalone policy. Cover for roof damage is included within your buildings insurance. If you see the term “roof insurance” online, it refers to this part of your overall building cover, not a separate product.

Most standard home insurance policies will cover roof repairs if a covered event (such as a natural disaster) causes the damage. These include:

• Storms and high winds: Severe weather can dislodge tiles, damage flashing, or cause structural issues. Storm damage is one of the most common reasons for a successful claim on your buildings insurance policy.
• Heavy rain or hail: Persistent wet weather can expose weaknesses in your roofing materials.
• Falling trees or debris: Trees or branches falling onto your roof can cause immediate and significant damage.
• Fire or lightning strikes: These can destroy roof timbers and tiles, leading to leaks.
• Vandalism or attempted theft: Criminal damage is usually covered, provided you report it to the police.

Insurance covers roof repairs for damage caused by these events. It may include full replacement where repair isn’t viable, subject to your policy’s rebuild limit. Leaks are only covered when caused by sudden damage, such as a storm or fallen tree; not wear and tear, neglect, or existing faults.

Other common exclusions include specialist roofs such as flat or thatched types, which often require tailored cover. leaking roof covered insured event damage caused new roof

Does the type of roof affect my home insurance claim?

The type of roof you have can have a significant impact on your insurance cover and claims process.

Flat roof

A roof is considered flat if it is under 10° pitch. These types of roofs carry higher risk of leaks. Many insurers impose limits if over 25–30% of the roof is flat. Regular checks help keep your cover valid.

Thatched roof

Thatched roofs are rare but require specialist insurance due to higher fire risk and ongoing maintenance needs.

Most standard insurers will not cover thatched roofs, so you’ll need to find a provider that offers tailored policies.

Premiums for thatched roofs are usually higher, reflecting the increased risk and cost of repairs.

Standard and non standard roof

Roofs made with tiles or slates are usually covered. Unique or non-standard materials may require specialist underwriting.

Will home insurance cover damage to contents as well as the repair of the roof?

Yes, if a roof leak damages your belongings, your contents insurance should cover the cost of repairing or replacing your possessions, provided the leak wasn’t caused by negligence or wear and tear.

This means that even if the leak itself isn’t covered by your buildings insurance, your contents insurance may still protect your personal items, as long as the leak was sudden and accidental.

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Will home insurance cover a leaking roof if I live in a flat?

Cover depends on whether you own or rent the flat.

If you’re renting a flat

If you’re a tenant, your landlord's responsibility includes maintaining the roof structure and arranging appropriate cover for the whole building.

If a leak damages your possessions, your contents insurance should cover the cost, provided the leak was not caused by your own actions.

If you own the flat

If you own your flat, you (or your freeholder) are responsible for arranging buildings insurance, which includes cover for the roof. If a leak occurs, you’ll need to check your policy to see if the damage is covered.

In some cases, the freeholder's responsibility may include arranging buildings insurance for the whole building.

Types of roof repairs

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Damage to the roof structure from natural disasters is typically covered by your home insurer. Roof repairs can vary in scope and complexity. Common types include:

• Replacing missing or broken tiles or slates: This is often the most straightforward repair.
• Fixing leaks and sealing gaps: This may involve resealing flashing or replacing damaged sections.
• Repairing or replacing roof timbers: If the structure itself is damaged, more extensive work may be needed.
• Addressing structural damage: In severe cases, the underlying structure may need reinforcement.
• Treating or preventing mould and damp: Leaks can lead to damp and mould, which may require specialist treatment.

How much is does roof insurance cost?

The cost of roof insurance is included in your buildings insurance, which covers the whole building. It is influenced by various factors, including the type of roof and your property's age. Specialist roofs, such as flat or thatched, may cost more to insure.

How to find a roof leak

Spotting a roof leak early can help stop further damage. Look out for these obvious signs:

• Water stains on ceilings or walls
• Dripping water inside the house
• Mould or damp patches
• Missing or broken roof tiles
• Sagging roof timbers

If you notice any of these, it’s important to act quickly to prevent the problem from getting worse.

How to prevent leaks in the roof

Prevention is always better than cure when it comes to roof leaks. Here are some practical steps you can take:

• Regular maintenance and inspections: This is a cost effective way to prevent and avoid costly repairs. Have your roof checked at least once a year, and after any severe weather.
• Clear gutters and check for missing tiles: Blocked gutters can cause water to back up under your roof, leading to leaks.
• Fix minor repairs promptly: Small issues can quickly become big problems if left unattended.
• Keep records of maintenance and repairs: This can help support your claim if you ever need to make one.
• Check your roof after severe weather: After storms or high winds, inspect your roof for any signs of damage.

Making a roof insurance claim

When you need to make a roof insurance claim in the UK, being thorough and organised with your documentation can make all the difference. Insurers expect clear, detailed evidence to support your claim, and providing everything they ask for will help avoid delays or disputes.

How to make a roof damage claim

To improve your chances of a successful claim, provide clear evidence and keep records of all communications with your insurer.

1. Contact your insurance company promptly

As soon as you notice roof damage, get in touch with your insurance provider. Notify your insurer within 48 hours of noticing the damage. Have your policy number ready and be prepared to describe what happened in as much detail as possible.

2. Document the damage comprehensively

Provide high-resolution photos and videos showing both the damage and the surrounding area. Include close-ups of affected materials.

3. Gather supporting evidence

Collect any relevant weather reports or news articles that confirm severe weather conditions at the time of the incident. If there were witnesses to the event or the damage, ask them for a brief statement.

This can help corroborate your claim, especially if the cause of the damage is disputed.

4. Obtain a professional inspection report

Arrange for a professional roofer to inspect the damage and provide a detailed written report. This should include the extent of the damage, recommended repairs, and estimated costs.

Choose a contractor registered with a recognised trade body, such as the National Federation of Roofing Contractors (NFRC), to ensure credibility.

5. Keep records of maintenance and repairs

If you have receipts, invoices, or reports from previous roof inspections or maintenance work, include these with your claim. This helps demonstrate that the damage was not caused by neglect or lack of upkeep.

6. Document emergency repairs

If you need to carry out emergency repairs to prevent further damage, keep all receipts and take photos before and after the work. Always inform your insurer before starting any repairs and get their approval if possible.

7. Submit a complete claim package

Compile all your documentation: photos, videos, weather reports, inspection reports, receipts, and any witness statements, and submit them to your insurer.

By following these steps and gathering the right documentation, you’ll give yourself the best chance of a smooth and successful roof insurance claim in the UK.

This approach not only speeds up the process but also helps ensure you receive the full amount you’re entitled to under your policy.

UK climate and seasonal risks: What every homeowner should know

The UK’s climate is famously unpredictable, with frequent storms, heavy rainfall, and occasional extreme weather events that can put your roof at risk throughout the year. Understanding these patterns and their impact helps you prepare and protect your home.

Common storm types and flood risk

• Storm damage: The UK experiences regular named storms, especially in autumn and winter. Examples include Storm Eunice (2022), which caused widespread roof damage and power outages, and more recent storms like Éowyn (early 2025) and Darragh (late 2024), which led to significant claims for missing tiles, structural damage, and leaks.
• Wind and rain: British roofs are generally built to withstand wind speeds up to 70mph, but older roofs or those with existing weaknesses may fail under sustained pressure. High winds can lift tiles, loosen flashing, and allow water ingress, especially if followed by heavy rain.
• Flood risk: Flooding is a standard feature in most home insurance policies, covering damage from rivers bursting their banks, high tides, and heavy rainfall. However, homes in high-risk flood areas or with a history of flooding may face higher premiums or exclusions. The Flood Re scheme helps make insurance accessible for many in flood-prone regions.

Read our article on whether home insurance covers storm damage

Seasonal risks to roofs

• Autumn: Marked by heavy rainfall and strong winds, autumn is the peak time for storm-related roof damage. Leaves and debris can clog gutters, causing water to pool and increasing the risk of leaks and structural issues.
• Winter: Snow and ice pose significant risks. Snow accumulation adds weight to roofs, while ice dams, formed when snow melts and refreezes at the eaves, can block drainage and lead to leaks. The freeze-thaw cycle can also cause cracks and weaken roofing materials, especially on older roofs.
• Spring: Heavy rain and lingering storms can expose existing weaknesses in your roof. Spring is also a time to check for winter damage and ensure gutters are clear to handle increased rainfall.
• Summer: While less severe, prolonged heat and UV exposure can cause roofing materials to crack and degrade over time, making them more vulnerable to future leaks.

By staying aware of these seasonal risks and maintaining your roof year-round, you can help prevent leaks, reduce insurance claims, and keep your home safe and dry.

Case study: Rejected claim due to conflicting reports

This example is illustrative of real UK claim outcomes and highlights why multiple reports may lead to disputes.

In May 2021, Mr P noticed damage to his flat roof and had repairs carried out.

In September 2021, further leaks appeared, and he contacted a roofing contractor again. In October 2021, Mr P submitted an insurance claim for the cost of repairs, attributing the damage to a storm in September.

The roofing contractor provided a letter stating the damage was due to inadequate insulation, not storm damage. The insurer requested a surveyor’s report, which suggested external damage possibly from a storm.

However, a third report confirmed the original assessment: the damage was not caused by a storm but by general wear and tear, defective workmanship, or materials, all of which were policy exclusions.

The insurer therefore rejected the claim, and CIFO upheld this decision.

Checklist: Roof maintenance and claim preparation

Policy comparison: What do different insurers cover?

A combined policy can offer comprehensive protection for both your home and its contents, ensuring all key points are covered.

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In summary

House insurance typically covers roof leaks caused by sudden, unexpected events, not wear and tear or poor maintenance, making it the homeowner's responsibility to keep the roof in good condition. Always check your policy for exclusions, especially if you have a flat or thatched roof. Keeping your roof well-maintained and documenting its condition can help ensure you’re covered when you need it most.

Protect your roof with rivr

We're a digital-first, high-value home insurance provider that builds policies around you, Our all risks home insurance  covers the full structure of your home, including the roof, with rebuild limits up to £3 million and contents protection from £75,000 to £500,000.

Unlike many standard insurers, our policy extends to homes with flat, thatched, or other non standard roof types. You also benefit from a UK based specialist claims team, transparent policy terms, and expert guidance when it matters most.

Speak to our team for specialist cover that reflects the true value and character of your home.

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