Fire damage to your roof

Fire damage to a roof almost always means replacement, and almost always involves your insurer — here's what to expect.

Why assessment is essential

Fire weakens timber even where it isn't burnt through, and heat damages the integrity of tiles, fixings and flashings. Smoke and the water used to put the fire out cause their own damage. Only a professional (and your insurer's loss adjuster) can determine what must be replaced — never assume a scorched roof is sound.

Insurance and the process

Fire damage is covered by buildings insurance. Your insurer will appoint a loss adjuster and you'll typically need professional reports and quotes. Keep all documentation and don't authorise major work until the claim process is clear, unless it's needed to make the property safe and weathertight.

Rebuilding the roof

Fire-damaged roofs usually need a full rebuild of the affected structure and covering, to current building regulations. A vetted roofer experienced in insurance work can survey, document and quote the rebuild.