the policy may protection a roof leak caused by a genuine storm or another insured event. It normally does not pay simply because an old roof has worn out.

What commonly causes roof leaks?

• Slipped or broken tiles.
• Failed flashing around chimneys.
• Blocked valleys and outlets.
• Worn flat-roof coverings.

Keeping the roof weather-tight

• Replace missing tiles.
• Keep gutters and roof outlets clear.
• Repair failed flashing.
• Have an ageing flat roof checked before it starts letting in water.

Check storm damage, not wear and tear

Check the storm definition and the buildings excess. Insurers can also look at the condition of the roof before the event, so maintenance still matters.