Why You Need Roof Insurance


Good quality home emergency insurance, like the policies provided by Prominence Support include roof cover and are there to protect policyholders in the event of an emergency. Roofing cover will protect you if your roof develops a leak, becomes damaged, has missing tiles, or subsides in any way.

What exactly is roof insurance?

Your roof is an important part of your home, so roof insurance should be an integral part of your home insurance policies. There’s nothing worse than a leaking roof or having to deal with the stress of damage caused by things like fallen trees or storms. Good quality roof insurance will provide cover in the event of these emergencies and make sure that your home is back to normal as quickly as possible.

What events are covered by roof insurance?

Good roof insurance, like the one included in our Home Emergency policies, will cover you in the following situations:

  • Damage from storms and other disasters.
  • Damage from tile slippage or roof subsidence.
  • Damage caused by falling debris (e.g. tree branches) to the roof of your property.
  • Damage caused by some other third party.
  • Missing tiles that cause roof leakage.

Reasons why you may want to buy roof insurance for your property?

If you live in a brand new property or the roof on your older property has recently been replaced, you may not need roof insurance as any damage is likely to be covered by the warranty provided with the work.

If your property is older, the roof has not been replaced in the last few years, or the general condition of the roof is poor, roof insurance could be exactly what you need to give you peace of mind in the event of an emergency.

Isn’t my roof covered in my home insurance policy?

Not always. Certain events that cause severe structural damage to the roof may be covered but minor damage like missing tiles, leaks, slippage, and subsidence probably won’t. Again, this is down to the nature of home insurance policies which are there to cover you in emergencies, not events caused over time by general wear and tear.

To find out for certain you’ll need to check the terms and conditions of your home insurance policy or ring your provider.

An easier way to make sure your roof is covered for all eventualities?

Roof insurance should be an integral part of your home insurance suite and here at Prominence Support our Home Emergency Insurance not only gives you unrivalled cover for a great low-cost monthly fee, but it also includes roof cover as standard. We understand how stressful a leaking or damaged roof can be, that’s why our policies are there for you when you need them the most.

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