Whether or not you need specialist insurance for a flat roof house can depend on the specific details of your insurance policy and the insurer you are working with. Generally, most standard home insurance policies will cover a flat roof house, but some insurers may have exclusions or limitations on coverage for flat roofs.
Flat roofs can pose a higher risk for damage and leaks compared to pitched roofs, especially if they are not well-maintained or have not been installed correctly. This increased risk may be reflected in higher premiums or specific insurance requirements for your roof.
It’s important to review your insurance policy carefully and speak with your insurance broker to understand the specific details of your coverage for a flat roof house. If your current policy does not provide adequate coverage, you may need to seek out a specialist insurance policy that is designed to provide coverage for flat roof houses.