Home insurance FAQs – flat owners

This week a lot of PolicyCastle customers living in flats have asked us questions about how they should complete some of the sections on PolicyCastle’s short application form for home insurance. So we have put the answers to these frequently asked questions in this article, to help others looking for the same information.

1. The roof of my block of flats is flat, but my property is not on the top floor. How should I answer the question “Is more than 30% of your roof flat?”

If your property has another property between it and the flat roof, then you can answer that you do not have a flat roof.

2. The question “What type of lock do you have on your front door?” With a block of flats, is that asking about the front door to my property or the front door to the building or both?

Insurers want to know about the security of your own property, so for a home in a block of flats, please answer the question for all final exit doors to your specific flat, not any shared doors to the main building.

3. There are tall trees within 5 metres of my building, but I live on an upper floor. How should I answer when asked to confirm “There are no trees more than 5 metres high within 5 metres of your building?”

Insurers want to know whether there are tall trees close to your building because the spread of their roots may lead to subsidence damage.  For this reason, you should confirm that you disagree with this statement, as you should answer for the whole building, to the best of your knowledge.

4. There is a watercourse within 400 metres of my building, but I live on an upper floor flat so I could never be flooded. How should I answer when asked to confirm “Your building is more than 400 metres away from water?”

You may, be at a low risk of flooding to your flat, but Insurers want to be able to assess the risk as a whole. For this reason, you should confirm that you disagree with this statement, as you should answer for the whole building, to the best of your knowledge.

5. Another flat in the building is undergoing renovation works. It doesn’t affect my property though. How should I answer when asked to confirm “Your building is not undergoing building or renovation works?”

Insurers want to assess the risk as a whole; in this instance, it is possible that works in another part of your building could affect your property, so you should confirm that you disagree with this statement, as you should answer for the whole building, to the best of your knowledge.

If you are unsure about how to answer any of the questions in the PolicyCastle forms, please look at the explanations next to the question, or please feel free to call us on 0333 305 8474 and we will be happy to explain them to you.

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