Some slates were blown off my roof, and others dislodged, in high winds. An outbuilding was also damaged. But while the insurers accepted my claim for the outbuilding, they refused to pay out for the roof, saying it was in poor condition. What do I do next?
If you think your roof is generally sound you may need to bring in an independent surveyor to draw up a report to that effect. Check your policy carefully. It’s possible that, if your insurance company accepts the report, they will pay the surveyor’s bill. However you will also find in the policy document words to the effect that your insurance does not cover you for the cost of gradual deterioration, and that it is not a maintenance contract. If you need a new roof don’t throw good money after bad.