It is a flat felt roof, no concrete. I rang around about six of the well known insurance companies and none of them would cover it as it is considered a high risk. It is 100% flat roof. Some insurance companies would insure if 30% flat roof. Did ring one broker and they also said that they wouldnt do it either. There is obviuosly someone out there that does cover it as there are many flat roof houses out there. Just really trying to find out approx how much it would cost. We are interested in buying this house that has the flat roof and want to be able to establish how much the house insurance is going to be each year, as buying this house we will be on a tight budget. Will go back to the golden pages and ring around again.