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Your personal finance questions – Can we claim on our insurance for wear and tear to the roof?

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Construction worker repairing roof. Stock image

Construction worker repairing roof. Stock image

Construction worker repairing roof. Stock image

Q The roof on my house needs some attention. It’s approximately 25 years old and has suffered wear and tear from weather damage, and we also have a few tiles missing from a neighbour’s tree that was felled last year. Would I be able to claim for the repairs on my home insurance, even partially?

A If the damage to your roof is related to it simply getting older and worn out over time, it is unlikely that your policy would cover the bill for repairs or replacement, according to Brian O’Connor of Aviva.


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