Thanks Bernie, cheers for the advice, much appreciated!

Thanks Bernie, We had a feeling the claim was going to be rejected on those grounds, never mind eh! As I need the whole roof replaced, would you recommend it being replaced like for like with Felt/Bitumen or go for one of the Rubber/EPDM or Fibreglass options? Thanks Craig

Thanks for the response Uncle, I have stated the claim within the online forms, so that's all good and will be under consideration for the proposed future insurers. Update to the claim - a guy on behalf of the insurers has been and gone, he did not agree with the storm damage and state that it is down to wear and tear over a period of time as it was also not possible to determine when the roof was installed (we have lived here for two years and the problem started after 9 months), so will recommend the insurers do not pay up....Thanks alot!. ...and the interior damage will be our own fault as it was left too long! Time to start saving approx £1.5k+ to sort this out before it all caves in!

Evening Ladies and Gents! I have searched and searched for an answer to my predicament but to no avail: I am currently in the middle of a claim for storm damage to my kitchen flat roof. The damage was too great for minor repairs so I made a decision to cover the roof with emergency tarpaulin and inform the insurance company. The tarpaulin has been up for months now and I am often getting up on the roof and having to replace it due to strong winds and rain (the damage has got worse and has damaged the kitchen ceiling too) I have been having trouble gathering quotes from roofers - some say insurance won't pay out for flat roofs or they won't turn up at all, anyway finally I got the quotes and sent them off via email (email sent 3 weeks ago). Yesterday, I received the automatic renewal letter to the sum of £499.67 - for which I thought was a tad high (2 bed end terrace worth £100k), I decided to do an online comparision....cheapest came to £187! Strangely an hour after doing the comparision online, my girlfriend receives a phone call saying the insurance will come round ASAP to look at the roof - finally! Where do I stand if I do not want to renew the insurance and save myself nearly £313, yet hope to continue the claim? Will the claim still apply even though I'll be insured by a different company? Hope that made sense! I understand insurance companies are reluctant to pay out for flat roofs, but fingers crossed! Thanks Craig