Will the insurance cover a tile coming off the roof in the storm?

[BoBoo]

I made a claim last week as we lost a roof light in the storms which caused some cosmetic damage. I discovered last night that we now seem to have lost one or two tiles from the other side of the roof, which I noticed as it's caused a huge wet patch on a wall in one of the bedrooms.

I'm worrying that they will say it's wear or tear - does anyone have any similar experience?

We've lost 3 tiles off our house over a period of 7 years, all due to storm damage. The insurance company have paid out every time, including getting the bedroom re-plastered and painted the first time when water leaked through.

They send a surveyor out, I presume to inspect the state of the roof. Our house is only 10 years old so the loss of the tile is quite clearly due to storm damage though.

HTH

We had our insurance company visit our house yesterday as we have lots of leaks and damps following the storms. Unfortunately, we are not covered as there isn't any physical damage to the exterior part of the house, i.e. missing roof tiles blown off in the storm. They will only cover internal damage if there is external damage to the house. The loss adjuster who conducted our survey advised that the rain and bricks are completely damp so the rain has come through the bricks and then dripped into the house via the cavity wall (unfortunately it appears the cavity trays haven't coped).

If you have actually lost a roof light, hopefully, you may be more successful with your claim.

Just to add to my post, I think based on what our adjuster told us that you will be covered and the insurance company will be liable for your damage, but obviously they all have fine print and policies can vary.

Thanks for the advice. We've already had a surveyor out for the roof light and had that approved, this has happened subsequently. I was able to patch up the roof light in the interim, but there's nothing I can do to patch this up so have no way of stopping further damage when it rains. When will this rain ever stop??

When purchaser our present house, we made the comment that three roof tiles were missing, but wanted to do a second viewing. Owners stated if we made an offer, they would get roof tiles replaced. We were lucky as they kept to their word and invited us round to see someone actually doing it. He actually worked off ladders and it didn't take long, so probably didn't cost a great amount. We are here 14 years later and no problems in the two areas where tiles had come off. When we had our chimney repointed contractors were happy to work without scaffolding (their choice), so it might not cost too much.

If you want to make a claim for any damage to the roof light or inside damage, then it's probably worth claiming for the roof file as well. If you make a claim, chances are your premiums will go up - so no point in making for one roof tile which may only cost £100/200.

It's not just one roof tile. There is considerable damage to the wall inside. There is a three foot patch where the plaster is soaking and all the paint is bubbling off. And we've already claimed for the roof light, so the premium will already be going up.

We have had water coming in through the roof but think we will be in same position as Planetrains - ie no obvious exterior damage so no cover. Got to wait another two weeks for insurance company to visit.

Patchesmcp - Can if ask if there was a massive jump in your premiums after making your insurance claims? If we do get any kind of payout it probably won't be very much and then we are wondering if it is worth it at all given that the premiums will increase next year. Oh, the joys of insurance...!

Not that I can particularly recall.

We only lost the NCB off the buildings insurance and not the contents cover as well which might be why as I think that makes up a small part of the actual premiums.

For us it is an easy decision as we live in a very tall 3 storey townhouse and they need scaffolding to replace the tile, so the loss of the NCB and the £50 excess we pay is very cheap for what we get in return.

After the first time we claimed we stopped looking round for a cheaper insurer when the renewal came up as Halifax were so good. I'd highly recommend them as they've been fab each time.

This is the one lot of insurance we've definitely had value for money from [g