A roofing insurance claim moves faster when you have a professional damage report with dated photographs before the insurer's assessor visits. Notify your insurer within the policy's stated period, apply temporary weatherproofing to mitigate further loss, and keep the roof's pre-storm condition documented to counter any pre-existing condition argument.
A roofing insurance claim follows a broadly predictable timeline but the range from notification to settlement is wide — 2 weeks in simple cases, 3–6 months in disputed ones. Understanding what drives the timeline helps you manage the process.
| Stage | Typical Duration |
|---|---|
| Notification to insurer | Same or next day |
| Insurer sends assessor | 3–10 working days |
| Assessor report to insurer | 3–7 working days |
| Settlement offer | 5–15 working days after report |
| Total (straightforward) | 4–8 weeks |
Post-storm damage report with photos within 24 hours. Suitable for insurer submission.
Book Storm SurveyLate notification: Most policies require prompt notification. Notifying 2 weeks after the storm can complicate the claim even if you only discovered it then. No documentation: Claims without photographs and a professional roofer's written assessment move more slowly. Adjusters have more questions and more reasons to request additional information. Pre-existing condition arguments: Insurers can argue damage was accelerated by prior poor condition. A previous inspection report showing sound condition before the storm is difficult to counter. Disputed scope: Disagreement about the extent of damage triggers a dispute process that can take months.
Written damage assessment with photos within 24 hours across Ashford and Kent.
Book Storm SurveyEvery roofing insurance claim timeline job starts with a free inspection and written quote before any work begins. We do not start work until you have confirmed the written quote. Our standard rates apply across Ashford and the surrounding Kent area.
We cover all Ashford postcodes and the surrounding towns: Folkestone, Canterbury, Maidstone, Tenterden, Hythe and the villages across the Weald. Emergency cover is available 24 hours a day on 01233 877 146.
No call-out fee across our full service area. Written quote before work starts. For roofing insurance claim timeline work the quote is provided on the same visit as the inspection in most cases. You pay only for work carried out.
All re-roofing work and major repairs carry our written 10-year workmanship guarantee. Lead flashing work is guaranteed for 10 years. Minor tile repairs carry a 2-year guarantee. The guarantee is provided in writing at completion and transfers to a new owner if the property is sold.
We are registered with the National Federation of Roofing Contractors. Verify our registration at nfrc.co.uk. We carry 5m public liability insurance on every roofing insurance claim timeline job. Insurance certificate available on request before work starts.
Ashford's housing stock spans five decades of construction: Victorian and Edwardian terraces in Newtown and the older town streets, 1930s semis in Kennington and Willesborough, post-war and 1960s estates at Bockhanger, Stanhope and Park Farm, and more recent development across the southern suburbs.
Each era presents different characteristics. Victorian clay tile on period properties requires matching reclaimed material and lime mortar at any repointing work. 1960s concrete interlocking tile on the estates is now 50-65 years old with corroded nail fixings on most unmodified properties. Understanding which housing era a property belongs to is the starting point for any assessment.
These estates are Ashford's highest-volume source of roofing work. The 1960s-70s concrete interlocking tile stock is now 50-65 years old. Nail sickness is present on the majority of unmodified properties. If you live in one of these areas and have not had roofing work in the last 15 years, a free assessment is worthwhile.
The Victorian terraces in Ashford's Newtown area and the older streets around the town centre require period-appropriate specification: reclaimed or reproduction clay tile, lime mortar at chimney repointing, and conservation-aware approach to any work on visible elevations.
Free survey and advice across Ashford and Kent. Call 01233 877 146.
Call 01233 877 146The most effective position for an insurance claim is to have a professional roofer's damage report in hand before the insurer's assessor visits. The report establishes your documented assessment. Where the assessor's findings differ from a professional roofer's report, you have a basis for constructive discussion rather than accepting the assessor's findings as the only record.
Our damage reports include: dated photographs of all damage as found before any temporary work; cause assessment; list of affected elements; permanent repair specification; and indicative repair costs. These reports are formatted to meet the requirements of most UK building insurance claims and are provided at no additional charge on every emergency attendance.
The most common insurer dispute in roofing claims is whether the damage was caused by the storm or revealed pre-existing deterioration. A roof in documented good condition before a storm event is far easier to claim on than one where the condition before the event is unknown. A pre-event roof survey, however recent, provides that documented baseline.
Storm damage in insurance terms means weather conditions severe enough to cause widespread structural damage — not simply heavy rain. Named storms with Met Office weather warnings produce the clearest claims. Localised severe weather without an official warning is harder to document. Contemporaneous evidence — dated photographs, neighbour confirmation, local news reports — supports claims on undesignated severe weather events.
For context on how roofing costs compare across the range of work we carry out, here are realistic price ranges for the most common jobs across the Ashford area. All prices include labour and materials. VAT is not applicable on most domestic residential roofing work.
| Job Type | Typical Cost |
|---|---|
| Single tile replacement | £150 – £300 |
| Ridge repointing (per 4m) | £200 – £400 |
| Lead chimney flashing replacement | £500 – £1,100 |
| Full re-roof (3-bed semi, concrete tile) | £4,800 – £7,500 |
| Flat roof replacement (GRP, up to 20m2) | £900 – £1,800 |
| Full gutter clear (semi-detached) | £80 – £160 |
| Fascia and soffit replacement (semi) | £800 – £1,800 |
| Roof condition survey | £120 – £200 |
Free written quotes on all work. No call-out fee. Call 01233 877 146 to book.
We are a family-run roofing business based in Ashford, covering the town and the surrounding Kent area. We have been working on roofs in this area since 2003. Every job is carried out by our own employed team — we do not subcontract labour. The people who quote are the people who work.
We are registered with the National Federation of Roofing Contractors (NFRC). Our registration can be verified at nfrc.co.uk. We carry £5m public liability insurance on every job. Our insurance certificate is available on request before any work starts. All re-roofing work carries a written 10-year workmanship guarantee. Lead flashing work is guaranteed for 10 years. The guarantee is transferable to a new owner if the property is sold.
We cover Ashford and a broad area of the surrounding Kent countryside: Folkestone, Hythe, Canterbury, Maidstone, Tenterden, and the villages across the Weald and Romney Marsh. Emergency cover is available 24 hours a day, 7 days a week. Call 01233 877 146 for any roofing emergency. For non-urgent work, we aim to survey within 5-7 working days and have the quote in writing within 48 hours of the survey.
We do not charge for call-outs or surveys. Every job gets a written quote before a single tile is moved. The quoted price is the price on the invoice unless we identify and agree additional scope with you during the work. For re-roofing projects where deck condition is unknown before stripping, we include a clear provisional allowance for batten replacement rather than presenting you with a surprise on invoice.
These are the questions we are asked most frequently when homeowners call us for the first time. If your question is not here, call 01233 877 146 and we will answer it directly.
Yes. All call-outs and surveys are free of charge across Ashford and the surrounding Kent area. The written quote we provide after the survey is also free and carries no obligation. We do not charge for surveys even on properties where we ultimately recommend no immediate work.
For emergency calls where water is actively entering the building: same day where call volume permits. For the most urgent calls — active ingress, safety hazard from displaced tiles — we aim to attend within 2 hours. Out-of-hours emergency cover is available 24/7 on 01233 877 146. For non-urgent work we survey within 5-7 working days.
Written workmanship guarantee on all work. 10 years for full re-roofing and lead flashing work. 5 years for ridge repointing. 2 years for minor tile repairs. The guarantee is provided in writing at completion. It transfers to a new owner if the property is sold. We are NFRC registered and carry £5m public liability insurance.
For most standard concrete interlocking profiles we carry matching tiles on the van. For conservation area repairs requiring reclaimed clay tile or matched Welsh slate, we source from Kent and Sussex demolition salvage and confirm match quality before committing. We show samples on any repair where visual matching is important before starting work.
We cover Ashford and all of the surrounding Kent area: Folkestone, Hythe, Canterbury, Maidstone, Tenterden, and the villages across the Weald. If you are outside Ashford town, call us and we will confirm whether we cover your postcode. Most Kent postcodes within 25 miles of Ashford are in our standard service area.
Last reviewed: July 2026
It moves faster with a professional damage report and dated photographs ready before the insurer's assessor visits. Notify within the policy period and document the pre-storm condition.
Buildings insurance covers sudden storm damage but not gradual wear. Disputes turn on whether damage was storm-caused or pre-existing deterioration the storm revealed.
Evidence of the roof's good condition before the event — a prior survey, photographs or maintenance records — is the effective counter to a pre-existing condition argument.
A loss assessor acts for you and charges a percentage of the settlement. They are worthwhile for large or partially declined claims, less so for small unambiguous ones.