Areas of Law / Insurance law

During heavy rain water started coming through a bedroom ceiling. I contacted the insurers, who sent out a claims adviser, and was advised to get a roofer in. The bill came to £480, but the insurers are now refusing to pay out, saying the roofer told them there was no storm damage.

If you look in your insurance policy document you will find words to the effect that you are not covered for the cost of gradual deterioration. If you are convinced that your roof suffered storm damage you should pursue this, perhaps by bringing in your own surveyor who will report that the rest of the roof is in generally good condition. If the roof merely sprang a leak because it’s nearing the end of its life you shouldn’t expect your insurers to pay for running repairs.

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