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Standard versus Non Standard flat roof material

  • 06-09-2016 5:39pm
    #1
    BlueLass
    Closed Accounts Posts: 148 ✭✭


    I am hoping someone can clarify this for me in relation to what is standard material in a flat roof. House insurance due and I advised insurance company of the kitchen extension which would be approx 20% of total roof area. This is made from bitumen based felt covering. However, I had totally forgotten about the attached garage roof,also flat, which would now bring total roof area to at least 40%. Insurance won't quote as it exceeds their cut off % and also because it says the roof is not of standard construction. The garage is a concrete flat roof. So, this is my question, what is classified as standard and what is non-standard materials?? Did ask the insurance company but the lad I spoke to was very vague and said that if its not tiles they won't quote!

    If anyone in the building trade could clarify for me that would be great. Also, would looking to put a pitch on the garage be worth it in anyone's opinion??


Comments

  • #2
    Calahonda52
    Registered Users, Registered Users 2 Posts: 13,028 ✭✭✭✭Calahonda52


    This
    said that if its not tiles they won't quote!

    I believe is the issue, just got off the phone with my broker, they have a 10% cut-off

    I would look at sorting out the extension, much better value for money and if tucked away at back planning MAY not be required.

    Working on garage if out front will require planning

    “I can’t pay my staff or mortgage with instagram likes”.



  • #3
    BryanF
    Moderators, Home & Garden Moderators Posts: 10,146 Mod ✭✭✭✭BryanF


    This is typical bs from insurance companies. Go through a broker for any 'non-standard' construction.

    I would not be changing my design for insurance..

    Edit: go back and ask what pitch they consider 'flat' Ive seen situations where roof designed over 2deg they will accept as 'not flat'

    Don't quote me on the slope- check with insurance company


  • #4
    kildarejohn
    Registered Users, Registered Users 2 Posts: 328 ✭✭kildarejohn


    The definition of "standard" construction varies from company to company. Some companies don't make any distinction between flat and pitched roofs, and only ask about the material- e.g. one definition is "constructed of brick, stone or concrete and roofed (at least 70%)with slates, tiles, concrete, asphalt
    or metal,"
    So like the last poster said ask a broker, or alternatively look at the different Insurance Co. websites and read their Policy Wordings yourself.


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