Tag: outdoor structure

Does Homeowner Insurance Cover Your Roof?

As a homeowner, you understand the importance of protecting your investment. One vital aspect of your home’s protection is ensuring that your roof is well-maintained and covered by insurance. But does homeowner insurance actually cover your roof? In this comprehensive guide, we’ll explore the intricacies of homeowner insurance policies and shed light on whether they provide coverage for your roof. By the end, you’ll have a clear understanding of what to expect when it comes to insuring this crucial part of your home.

Understanding Homeowner Insurance Coverage

Before we delve into the specifics of roof coverage, let’s first gain a better understanding of how homeowner insurance works. Homeowner insurance is designed to protect you financially in case unexpected events damage or destroy your home. Most standard policies cover perils such as fire, windstorms, hail, falling objects (like trees), and even vandalism or theft. This coverage typically extends to various structures on your property, including the roof.

The Roof Coverage in Your Policy

When it comes to insuring your roof, it’s essential to review the specific details outlined in your homeowner insurance policy. While most policies do cover roof damage caused by certain perils, there are some important factors to consider:

Covered Perils

Homeowner insurance policies generally cover structural damage resulting from perils like hailstorms, windstorms, fires, and falling trees or branches. If any of these events lead to damages affecting the integrity or functionality of your roof, you can typically make a claim with confidence.

Repair vs. Replacement

In the event that your roof sustains damage from a covered peril, most policies will provide coverage for either repairs or replacement. The extent of coverage depends on various factors such as age, condition before the damage occurred, and local building codes. It’s crucial to carefully review your policy documentation to understand the scope of repair or replacement coverage provided.

Deductibles and Exclusions

Similar to other types of insurance, homeowner policies often require you to pay a deductible before coverage kicks in. The deductible is the amount you’ll need to contribute out of pocket before your insurance company starts covering the remaining costs. Additionally, it’s important to be aware that some policies may exclude coverage for certain conditions or situations, such as pre-existing roof damage or wear and tear.

Additional Factors to Consider

While understanding the basic coverage provided by your homeowner insurance policy is vital, there are a few more factors worth considering when it comes to insuring your roof:

Policy Limitations

Insurance policies typically have limits on how much they will pay for specific items or damages. For instance, if your policy has a limit of $10,000 for roof repairs and the total cost exceeds that amount, you would be responsible for any additional expenses. Make sure you review your policy limits to ensure they align with your needs.

Maintenance and Neglect

It’s essential to note that homeowner insurance generally does not cover roof damages resulting from neglect or lack of maintenance. Insurance companies expect homeowners to take reasonable steps to maintain their roofs regularly. Failure to do so could result in denied claims if damage occurs due to preventable issues.

Conclusion: Protecting Your Roof Investment

In conclusion, homeowner insurance can provide valuable coverage for your roof in case of unforeseen events like hailstorms, windstorms, fires, or falling trees. However, it’s crucial to carefully review your policy documentation and understand the scope of coverage provided. Take note of any deductibles, exclusions, limitations, and maintenance expectations outlined in your policy. By doing so, you’ll ensure that you’re adequately protecting one of the most critical components of your home: the roof. Remember that consulting with an insurance professional can provide further guidance tailored specifically to your situation.

Roof Issues to Look Out for When Buying or Selling a Home

When it comes to buying or selling a property, there are countless factors to consider. From location and layout to price and aesthetics, each aspect plays a vital role in the decision-making process. However, one often overlooked yet crucial element is the condition of the roof. A well-maintained roof not only enhances the overall appeal of a home but also provides peace of mind for both buyers and sellers.

In this blog post, we will explore some of the most common roof issues that can arise when buying or selling a home. By being aware of these potential problems, you can make informed decisions and take appropriate actions to ensure your roof is in optimal condition. So whether you’re a prospective buyer evaluating a property or a seller preparing your home for sale, read on to discover the key roof issues you need to look out for.

1. Age and Wear

The age of a roof is an important consideration when assessing its condition. As roofs age, they become more susceptible to wear and tear from exposure to weather elements such as sunlight, rain, wind, and snow. Over time, this can lead to weakened shingles, cracks in flashing, or even structural damage.

Additionally, factors like improper installation or inadequate maintenance can accelerate the aging process of a roof. Therefore, it’s essential to determine the age of the roof and evaluate its overall wear during both buying and selling processes.

2. Leaks and Water Damage

Water damage caused by leaks is one of the most common issues homeowners face with their roofs. Even minor leaks can lead to significant problems if left unaddressed. When inspecting a property as a buyer or seller, it’s crucial to check for signs of water damage on ceilings or walls inside the house.

Stains or discoloration may indicate past leaks that have been repaired but could still pose risks in the future. Additionally, inspect the attic for any signs of water penetration, such as dampness or mould growth, as these can be indicators of ongoing leaks.

3. Missing or Damaged Shingles

Shingles are the protective outer layer of a roof and play a vital role in shielding it from the elements. Missing or damaged shingles not only compromise the aesthetics of a home but also leave the underlying structure vulnerable to potential damage.

During your inspection, look for signs of missing shingles or ones that are cracked, curled, or blistered. These issues can result from age, poor installation, or severe weather conditions. If you notice significant shingle damage, it’s essential to address it promptly to prevent further deterioration.

4. Sagging Roof

A sagging roof is a serious concern that should not be taken lightly when buying or selling a property. It indicates structural problems that could potentially lead to significant safety hazards and costly repairs.

When assessing a roof’s condition, pay close attention to any visible signs of sagging in the roofline. This could be an indication of rotting or weakened support beams, damaged decking, or even an excessive load on the roof caused by improper construction practices.

5. Poor Ventilation

Proper ventilation is crucial for maintaining the longevity and performance of a roof system. Inadequate ventilation can lead to moisture build-up in the attic, which can cause mould growth and compromise the structural integrity of the roof.

As a buyer or seller, ensure that proper ventilation measures are in place. Look for signs of excess moisture in the attic such as condensation on windows or damp insulation. Addressing ventilation issues promptly will help preserve your roof’s lifespan and prevent potential headaches down the road.


The condition of your roof plays a significant role when buying or selling a home. By being aware of common issues like age and wear, leaks and water damage, missing or damaged shingles, sagging roofs, and poor ventilation, you can make informed decisions that safeguard your investment.

Whether you’re a buyer conducting due diligence or a seller preparing your property for sale, it’s crucial to have a professional roof inspection performed. This will provide a comprehensive assessment of your roof’s condition and give you the confidence to move forward with your real estate endeavours. Remember, a well-maintained roof not only enhances the value of your home but also protects you and your loved ones from the elements for years to come.

Keep dry in style this winter

Porches have long been loved by property owners worldwide but they have only recently become a popular feature in the UK. We think they are wonderful and after learning about them in this blog, you will too.

Porches can look modern.
Credit: Rightmove on Pinterest

Door porches do a fantastic job of providing protection from all elements, improving curb appeal and even adding value to a home without needing planning permission as long as it doesn’t exceed three square metres. Open porches can be formed with brick or wood with any choice of roofing – from polycarbonate roofing sheets, glass, tiles or onduline. The roof can be tilted or flat, whatever you feel matches your home.

Glass roofing on a porch.
Credit: Wallis Hoyle on Pinterest

Creating an effective porch

Here at eRoofs, we have porch structures ready to be attached to your home and a wide range of roofing sheets so you can create your ideal look. Remember that your porch will also require an effective drainage system to prevent flooding or damage to the roof, making it safe for use. Ensure your porch is attached properly and securely and it will improve energy efficiency to reduce heat loss from your home. Not only that but, porches with security lights and outdoor areas can help to deter thieves because they will make the area more visible.

Open porches give homes a rustic element.
Credit: The porch specialist on Pinterest

Want to get the best deal on porches and canopies?

We also offer plenty of support and expert advice for most roofing projects – and definitely any products we sell online. Contact eRoofs here 

At eRoofs you can not only expect a good deal but also:

Superfast FREE delivery on orders over £150*

Handy FREE installation guides (and even instructional videos!)

Incredible prices on composite decking (and frequent big discounts!)

*Free delivery applies to most of the UK, but some areas may incur a charge, unfortunately – please check the eRoofs website for more details.

**Prices all correct at time of writing

The “outdoor structures” that are taking over pub carparks and beer gardens this Spring.

It’s here, finally the day we have all been waiting for, after a long period of closure due to Covid-19 parts of the leisure industry are finally permitted to reopen their doors providing they follow government guidelines.

Many pubs and restaurants have been getting creative, adapting their outdoor space in a bid to make their returning visitors a bit more comfortable whilst they brave the elements to enjoy their first bit of freedom this year! It’s certainly been a long time coming.

But what are the rules for outdoor structures?

The good news is that roofs ARE allowed as long as at least 50% of the area of the walls are left open at all times when in use.

There’s no surprise to see that gazebos and pergolas of all shapes and sizes have been popping up in beer gardens up and down the country ahead of today’s grand reopening’s.

What are the differences between the two?


Wooden gazebo pub garden
The Garratt, Wandsworth. Star Pubs.

Gazebos are a great solution, not only do they look really impressive but they are so versatile and can be fitted to any kind of ground weather it be grass, a patio or bedded into concrete for a solid weather proof structure. As most gazebos benefit from a solid roof landlords can be sure their visitors will remain dry when those April showers fall. Electric patio heaters can also be fixed to the beams creating a cosy space that will be warm, cosy and inviting all year round.

Multiple smaller free-standing gazebos make for a cosy area and will help with social distancing if the premises are lucky enough to have the space to be able to seat 6 people per gazebo.

A gazebo is probably as close as you can get to being “indoors” without actually being inside.


The Roebuck, Hampstead.

A Pergola would make a great alternative to a gazebo, traditionally with open tops and sides, the exposed beams are used to house climbing plants which can create a natural shelter and a beautiful aesthetic.

Pergolas can be free-standing much like a gazebo or can be fitted in a lean-to style creating an extension to any building/patio, they can be built to whatever size is required and are perfect for extending that indoor feeling into the outdoors.

As a simpler structure compared to a wooden gazebo and relatively easy for any DIYer to assemble themselves it makes for a great, cost effective option that most pub owners and landlords can build themselves.

To create a more weather-proof pergola simply add PVC roofing sheets, these are easy to fit and will let the light flood in while keeping and rain (or snow!) out, you can even buy the kits including the roofing sheets which eRoofs can delivery flat-packed and super fast!

Want to get the best deal on roofing supplies?

We also offer plenty of support and expert advice for most roofing projects – and definitely any products we sell online. Contact eRoofs here 

At eRoofs you can not only expect a good deal but also:

Super fast FREE delivery on orders over £150*

Handy FREE installation guides (and even instructional videos!)

Incredible prices on composite decking (and frequent big discounts!)

*Free delivery applies to most of the UK, but some areas may incur a charge, unfortunately – please check the eRoofs website for more details.

**Prices all correct at time of writing