Insurance for a house with a 100% Flat Roof ?

Usjes

Registered User
Messages
70
Hi,
My house has a 100% flat roof and I'm trying to shop around to get a reasonable quote for cover. Googling throws up a load of sites offering 'non-standard' cover but these are invariably brokers who all end up going back to the same insurers and its really time consuming giving them all these details only for them to come back with 'no quote because another broker has already been quoted'.
So, does anyone know where I would get a list of all the 'non-standard' INSURERS (as opposed to brokers) so that I can be sure I have all possible quotes. So far I have:
  1. OBF
  2. plum
  3. Prestige (although there seems to be some confusion here with some brokers saying these aren't offering cover in Ireland any more)
This leaves me with 2 or maybe 3 options. Surely there must be someone else who offers cover for 100% flat roof ? The house is a new-build and the roof has a 20-year warranty from the roofing installer.
Any other options ?
Thanks,
Usjes.
 

Lucius Lamb

Registered User
Messages
32
My experience is that these brokers place cover for flat roofs with wholesale insurers based overseas. My policy with OBF is underwritten by Lloyd's of London. Don't think these insurers deal directly with public in Ireland. Irish insurers not interested AFAIK
 

peteb

Registered User
Messages
1,761
No. You're only going to get the same panel of insurers doing it. LL is right about OBF. They just have a scheme for non-standard properties historically.
 

Usjes

Registered User
Messages
70
That is an interesting statement. Should the OP check with a spirit level just to be sure it is really flat?
When insurers mention percentages in the context of flat roofs it is the percentage of the total roof area which is 'flat' that they are referring to not the slope of the roof. The definition of 'flat' is generally anything with a slope of less than 10 degrees. ie they want to know if it is just a small extension out the back that has a 'flat' roof or if the entire structure is covered by a flat roof (which mine is hence 100% 'flat' whereas in reality it has a slope of about 5 degrees all over otherwise I would end up with a swimming pool on the roof every time it rained. This measure of a roofs risk is itself moronic as they should in fact be concerned with the overall square meterage of flat roof, eg a bungalow with flat roof of exactly the same area would be only 50% flat roof and therefore many more insurers will quote and charge lower premiums. Anyway that's how they measure it.
I still don't have a clear answer to my original question though; how do I know that I have got quotes for all the companies that actually offer cover for 100% flat roofs ? And indeed is there anyone out there who also has a 100% flat roof and has a policy with an insurer not mentioned above ?

Thanks,
Usjes.
 

Lucius Lamb

Registered User
Messages
32
My guess is that brokers specialising in flat roofs will ensure they appear in Google searches for flat roof insurance.
 

Leo

Moderator
Messages
14,382
Aren't some of the companies listed in the original post actually brokers rather than insurers/underwriters? E.g. OBF...
Yeah but the OP mentioned that having already engaged via a broker that other brokers are coming back as unable to provide a quote. So they're looking to avoid having to go through the whole information gathering process only for other brokers to face the same issue. New one on me, but that's what the OP is looking for.
 

ClubMan

Registered User
Messages
46,527
Ok, thanks.
I assumed that the list of three companies in the original post was understood by the original poster to be a list of insurers/underwriters, even though it's not.
 

Feemar5

Registered User
Messages
466
We had a house with a flat roof and the local FBD office gave us insurance - we just renewed it yearly as it was not easy to get a quote. I think I saw where quotedevel.ie will quote but it may be expensive.
 
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