What Does Building Insurance Cover?

If you’re looking for building insurance cover, you’ll want to know what it covers. This helpful guide will reveal just that, including whether leaks and roof repairs are included. So, instead of tearing your hair out trying to figure out if building insurance covers everything you want it to, we’re listing what a standard insurance policy includes.

What Does Building Insurance Cover?

Buildings insurance covers the cost of repairing damages to the structural elements of your property. This includes garages, sheds, fences, walls and essential pipework, cables and drains. Your insurance should cover the full cost of rebuilding your house, and it’s up to you whether you want basic cover or to add extras for more protection.

Buildings insurance covers property damage caused by:

• Fire, explosion, storms, floods, earthquakes
• Theft, attempted theft and vandalism
• Fallen trees and lampposts
• Vehicle collisions
• Subsidence

Does Building Insurance Cover Leaks?

Building insurance does cover leaks as it protects against flooding caused by storms and water leaks from pipes or heating systems, and damage from frozen and burst pipes.

As with all insurance policies, there are exclusions. This typically includes leaks that are a result of deliberate damage caused by you or anyone living on your property. Also, if you have not stayed at the property for a prolonged period of time and a leak was to occur, you may not be covered.

Does Building Insurance Cover Roof Repairs?

When it comes to roof repairs and whether they’re covered by building insurance, it entirely depends on what caused the damage. If one of the scenarios outlined above, such as a storm or fallen tree was the cause, then it should be covered.

Aside from the cause of the damage, other considerations insurers will take into account include the age of your roof and its condition before the damage. If the damage is from wear and tear, you are unlikely to be covered.

Does Building Insurance Cover Accidental Damage?

Accidental damage is sometimes covered, but this is usually an optional extra that you’d pay a little more to cover.

Find the right building insurance cover for you

Agentis can take the legwork out of finding good building insurance cover. Speak to us today to organise your free initial consultation.