I am looking for advice. Insurer wants confirmation that flat roof has no more that 20 per cent covering with a non standard (slate, tile, asphalt, etc ). Is there a reason for this. I don’t want quote a brand - but think our’s has more than 20 per cent and is a pvc type.
Any advice - why are insurers against the non traditional. Note manufacturer guarantee with our roof material etc
When they say non-standard they refer to anything that isn't a pitched slate roof. So once its a flat roof portion they will want more info as its prone to leak etc.
No. They wouldnt normally look for any certification. They will just want to know the construction type. you may get an underwriter that will want to put a warranty on stating the roof needs to be examined every X number of years.
My experience with this is that the insurer's concern is whether it is non-standard or not. Standard, as peteb mentions above, is a non-pitch slate roof. I asked what was the definition of flat roof, as mine has an angle, and the response was that once it wasn't slate etc. it was non-standard. The limit was 20%. I did actually Google how you can work out the area of your roof so I could calculate the 20% but I couldn't really follow what I was reading.