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Home insurance claim - roofing issue

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  • FireFire Posts: 19,096
    edited 10 January
    Before now I have aksed the roofers to take a full set of photos of their work - on the roof - so that they can show me what they have done. I'm not remotely any kind of expert to assess the work, but it does allow me to ask questions and check things out in places I cannot easily go. It's very useful to have that record for myself for future reference and to show other workmen. I would check before the work schedule is agreed that the workmen will take full photos for you - during and after the work.
  • LoxleyLoxley Posts: 5,698
    Yes I bitterly regret not getting the builders to do that stretch of ridge tiles. They did the ones on the main roof but not the outrigger, which are the ones that I think are causing the problem. To be fair they only said they were going to do the main roof. 
    "What is hateful to you, do not do to your neighbour". 
  • LoxleyLoxley Posts: 5,698
    The home insurance inspector has denied the roofing claim, but has agreed a sum to rectify internal cosmetic damage, which comes to about £500 after the excess. So that's relatively good news. 
    "What is hateful to you, do not do to your neighbour". 
  • McRazzMcRazz Posts: 440
    edited 11 January
    My roof sounds similar to yours Loxley, no felt (too old) and tiles are now at the stage of slipping. I lie awake worrying every time a storm blows through and the tiles start to rattle. Surprise surprise my insurer doesn't cover for damage except for exceptional circumstances. I'm not even entirely sure what preventative 'maintenance' i could carry out to prove my roof is in good order. Obviously slipped tiles are replaced etc. 

    Insurers have ridden us hard in recent years so one thing I wouldn't lose sleep over is trying it on with them. If it were me I'd get a builder to carry out the roofing repairs but invoice it as remedials to the internals, at least in part. I know my boiler heat exchanger is on the way out and is £600-800 to replace, so i'll be signing up to British Gas's home cover shortly too and paying a £60 excess for the works later this winter. The system plays us and looks to screw us at every twist and turn so its fair game as far as i'm concerned. 
  • LoxleyLoxley Posts: 5,698
    The money goes into my bank account, @McRazz, I will certainly spend it on roof repairs and not redecorating! Had a local roofer out having a look this morning.
    "What is hateful to you, do not do to your neighbour". 
  • philippasmith2philippasmith2 Posts: 3,742
    Fingers crossed for your roof work @Loxley
  • LoxleyLoxley Posts: 5,698
    Thanks @philippasmith2

    I got hold of the surveyor's photos. Now I'm also thinking about penetrating damp on that exposed end wall. It's very unprotected against the elements and we have had unusually persistent rain. I also had the wall repointed with lime mortar...  :#

    You can see in the photo that there is a noticeable line where the wall above the living quarters (and consequently not warmed by the central heating) has a sheen, although it does look noticeably worse above the bathroom so perhaps there is a combination of things going on. 


    "What is hateful to you, do not do to your neighbour". 
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