Home Insurance - calculation of flat roof area
Discussion
I have an single story extension at the rear of my house with an EPDM flat roof.
The room is 5m x 7m so the roof area about is 35 sqm. When applying for home insurance and asked for a percentage of roof that is flat do I calculate it as an overall of the foot print of the house that is 135 sqm (roughly 25%) or as area of roofing itself assuming area of roofing is 2 x footprint (roughly 12.5%) ?
The rest of the house has a tradition tile pitched roofing hence me assuming a pitched roof is roughly double the footprint.
Sorry if this is a daft question!
The room is 5m x 7m so the roof area about is 35 sqm. When applying for home insurance and asked for a percentage of roof that is flat do I calculate it as an overall of the foot print of the house that is 135 sqm (roughly 25%) or as area of roofing itself assuming area of roofing is 2 x footprint (roughly 12.5%) ?
The rest of the house has a tradition tile pitched roofing hence me assuming a pitched roof is roughly double the footprint.
Sorry if this is a daft question!
Always think this is a pretty stupid question on home insurance quotes. Up until recently we had none but since the dormer going on for the loft conversion you could essentially say that half our main roof is a flat roof. However we have a ground floor extension, an attached garage, a bay conversion and a porch all tiled which easily takes the percentage of tiled vs. flat to below whatever the threshold is. But it's the main roof that is most likely to cause significant damage it it were to fail. For it to make any sense the assessment should be for each individual roof not the property as a whole.
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