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Property/DIY

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Leaking roof - warranty claim, or buildings insurance?

2 replies

PuzzledObserver · 16/07/2023 19:31

House is 5 years old. We’ve owned it for 3 years, but only lived in it for 2 (as it was a showhome, which we bought and immediately rented back to the developer until the development was nearly finished)

Several months ago I noticed a stain on the ceiling of the landing. It didn’t seem like much - but the last few weeks it has definitely spread, and there is a new smaller patch, which actually looks wet. We’ve had our fair share of the recent heavy rain.

So: conclusion is there is a leak. There is a squarish “thing” on the roof, possibly some sort of air vent - approximately above where the stain is. So I’m wondering if this was not properly installed, or has got dislodged. I’m pretty sure there was no stain when we moved in - so probably something that has happened since. But if the vent is properly installed, surely it shouldn’t be able to be dislodged/blown off?

The question is - would this be classified as a structural defect - in which case it should be covered by the LABC warranty. Or is it storm or accidental damage - in which case it should be covered on our buildings insurance.

How can we/anyone be sure of the cause? Might the LABC and our insurer talk to each other and sort it our between themselves? Get a contractor up there to fix it, and agree based on what it looks like close up whether it’s likely to be structural or storm damage.

I plan on getting our tallest step ladder and having a look inside the loft tomorrow and see what we can see. I don’t think I can actually get up inside as there isn’t an actual loft ladder, the loft is not boarded and neither DH nor I are particularly nimble.

Anyone got any wisdom to offer?

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CasperGutman · 16/07/2023 20:50

If you claim on the insurance, there might perhaps be some effect on your premiums. I'd be tempted to find out how much a repair would cost before speaking to the insurers, as if it's an amount you can comfortably pay out of pocket you might be better off just doing that.

For that reason, I'd look into a warranty claim first. If they cover it, all good. Claiming on the warranty shouldn't affect your insurance premiums.

PuzzledObserver · 16/07/2023 22:55

Good thinking!

Though I’ve no idea how to go about finding out how much it would cost. I would imagine it would need scaffolding, so that’s several hundred quid before you start.

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