Insurers report a 23% increase in care home property claims related to flat roof failure over the past 18 months. Lack of documented maintenance history is cited as the main factor in disputed claims.
Why this matters
Without a maintenance record, insurers can and regularly do void claims for weather-related ingress. A simple annual inspection report is your cheapest insurance policy.
What to do
- 1Commission an annual flat roof inspection from a qualified roofing contractor and keep the report on file.
- 2Address any identified defects (blistering, ponding, failed flashings) before the next winter season.
- 3Ensure your maintenance log references the roof inspection so insurers can see a documented care history.
Primary source
RICS Flat Roof Maintenance Guidance Note
Get the full picture every morning.
Briefing is updated daily. Join early access to unlock every article.