MyNameIsUrl wrote:I have a 3-bed semi which has an extension with a flat roof. My insurers have now asked that I have it surveyed every 2 years and keep a record of all inspections, to be made available to them. ...
You don't mention the area of the flat roof compared with the total roof coverings (and as others have noted, how it is covered).
I mention area as we had a recent query on a small flat roof section. The Statement of Fact now includes 'The entire roof (excl the flat part) is made from slate or tile. The approx. percentage of the flat roof area is shown as 5%. It is slightly smaller but the 5% limit was relevant in that it apparently avoided additional requirements. It also states the covering is of lead and the standard all buildings are in a good state of repair.
There is a Flat Roof Clause in the policy (which isn't possible to copy and paste) but it broadly includes it is noted and agreed that a proportion is flat and subject to some terms & conditions:
a. A specified excess in respect of damage due to storm, flood, weight of snow
b. Loss or damage due to water leaking through is excluded (unless covered by an insured peril).
c. Loss or damage to any felt [ours is not felt] and flat roofed areas of the buildings is excluded unless the felt and flat roofs that are the subject of the claim have been fully recovered or renewed in the past 12 years.
As the property is not our main residence it also includes the requirement to inspect the entirety at least every 60 days [presently suspended] with records kept of each visit.
No mention of surveys that I can see but I suspect your flat roof is much larger than ours and, possibly, the nature of the coverings is relevant. In another place, the tenants had patched repaired with sub standard stuff and the entirety was covered with cheap shedding roof felt. Not good.
Do they specify who needs to undertake the surveys or their qualifications?