Home insurance application forms ask if your home has a flat roof, and if it does what percentage of the total roof is flat. Insurers clearly see a flat roof as higher risk than a sloping – or pitched – roof. Why?
Historically, flat roofs have led to more claims. Techniques for laying a flat roof have improved a lot in the last decade, and a new flat roof can now be expected to last for more than 20 years, but previously that wasn’t the case. As a flat roof reaches the end of its effective life, the chances that damage occurs to it, or to the rooms below it, increases. So if you have an old flat roof, and if you can access it safely, it is a good idea to check for damage regularly, so you can spot any problems before they become serious.
It is important to use your flat roof in the way it has been designed – if you want to use it as a terrace then make sure the surface installed is tough enough to withstand footfall and any furniture placed on it, and that the railings don’t damage it.
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