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Does home insurance cover for damage during re-roofing works?

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  • 03-09-2013 1:48pm
    #1
    jessicarobin
    Registered Users Posts: 4 ✭


    Does home insurance cover for damage during re-roofing works? Can anyone please tell?


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    #2
    sheesh
    Registered Users Posts: 4,081 ✭✭✭sheesh


    depends on tha cause. if it was the roofer then their insurance should cover it.


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    #3
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,285 Mod ✭✭✭✭The_Conductor


    If the damage was through negligence on the part of the person doing the re-roofing- inevitably, no. You would need to claim off them (and they in turn off their insurance).


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    #4
    kkelliher
    Registered Users Posts: 1,583 ✭✭✭kkelliher


    jessicarobin wrote: »
    Does home insurance cover for damage during re-roofing works?Can anyone please tell?

    You only have cover for storm damage to roofs so if you are having it reroofed I would assume that is not the case so no is the answer.


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    #5
    ted1
    Registered Users Posts: 23,529 ✭✭✭✭ted1


    The builders insurance should cover it


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    #6
    jessicarobin
    Registered Users Posts: 4 ✭jessicarobin


    Hi,
    Yesterday I went up the loft and noticed that I have some wet patches on the loft floor, looked up and noticed that black roof felt is wet with watery residue, looks like dew or condensation, it obviously drips as the floor was wet. Please someone, who had a similar problem with the roof - can you give me any ideas what it might be, roof tiles or just a roof felt? And how much it would cost?


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    #7
    ABajaninCork
    Closed Accounts Posts: 8,411 ✭✭✭ABajaninCork


    Might be the tiles slipping, or missing. Either way, I'd be getting a builder out quick smart. You really can't let this go on too long.

    No idea as to the cost. But I'd get three quotes anyway.


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    #8
    Ray Palmer
    Registered Users Posts: 8,394 ✭✭✭Ray Palmer


    Condensation in an attic is common. If it excessive it may mean your roof vents are blocked. It could indicate a leak.

    Some building have vents from the bathroom that go into the attic space. The vent going from the bathroom may be ruptured causing moist air to go into the attic.

    There are lots of variables that might cause this not necessarily a major concern.


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    #9
    jessicarobin
    Registered Users Posts: 4 ✭jessicarobin


    Can anyone please tell, what are the things we should ask <snip> roofing contractor?


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    #10
    Victor
    Registered Users Posts: 78,414 ✭✭✭✭Victor


    jessicarobin wrote: »
    Does home insurance cover for damage during re-roofing works? Can anyone please tell?
    Generally, insurance won't cover a defective or worn out roof.

    Generally they will cover for damage during construction, but check your policy. You would be expected to take precautions and to notify the insurer. The insurer may ask for an increased premium for the duration of the works.

    You should use a contract that requires the contractor to have a minimum of Contractors All Risk and Public Liability insurances.


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    #11
    kkelliher
    Registered Users Posts: 1,583 ✭✭✭kkelliher


    jessicarobin wrote: »
    Hi,
    Yesterday I went up the loft and noticed that I have some wet patches on the loft floor, looked up and noticed that black roof felt is wet with watery residue, looks like dew or condensation, it obviously drips as the floor was wet. Please someone, who had a similar problem with the roof - can you give me any ideas what it might be, roof tiles or just a roof felt? And how much it would cost?

    Does your water tank have a lid?


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