Making a Roof Insurance Claim in Nottingham

Step-by-Step Insurance Claim Support — FREE Drone Survey Available

A storm ripping tiles off your roof, or a slow leak that finally gives way, is stressful enough without also working out what your buildings insurance will and won't pay for. This guide walks through what's actually covered, the mistakes that get claims turned down, and what happens once you bring in a roofer to support your case.

If you're dealing with storm damage or a leak right now, the fastest way to strengthen your position is a free drone roof survey — HD footage and a written report you can hand straight to your insurer, at no cost and no obligation. Trust Roofing Services also carries out the roof repair work once your claim is agreed, so the same team handles your case from first inspection through to the finished roof.

Making a Roof Insurance Claim in Nottingham — Step-by-Step Support

Contact us now — call 0115-647-3275 to arrange a FREE drone survey and written inspection report for your claim.

At Trust Roofing Services, we help homeowners across Nottingham and Nottinghamshire through every stage of a roof insurance claim, from the first photo of storm damage to the loss adjuster visit and the final repair. Based in Hucknall (NG15), our fully insured, family-run team produces the written evidence insurers ask for and attends the technical meetings on your behalf.

Key Selling Points

• Free drone roof survey with a written report insurers accept
• 10-year workmanship guarantee on all completed repairs
• Written, itemised quotes with no hidden costs

Call 0115-647-3275. We offer a free, no-obligation inspection across Nottingham and the surrounding area.

What Should You Do First — Repair or Contact Your Insurer?

For emergencies — if water is actively entering your property or your roof has suffered structural damage — make it safe first. Place buckets, move valuables, and call us immediately. We offer fast-response emergency call-outs across all NG postcodes, including Arnold, Beeston, Hucknall, and Long Eaton. Insurers understand that emergency temporary repairs are necessary and will generally honour these costs.

For non-emergencies, stop, document, and contact your insurer before any repair work begins. Do not have tiles replaced or flashing repaired before your insurer has seen the damage — altering the roof first can see your claim reduced or denied.

The one step to take before anything else is to photograph the damage from ground level. Our free drone roof survey captures HD images of your entire roof from multiple angles, giving you and your insurer a complete picture before any work begins.

4. Contact your insurer. Report the damage as soon as possible. Provide your inspection report, photos, and any supporting evidence such as Met Office weather data for your postcode and date.
5. Arrange a loss adjuster visit. Your insurer may send a loss adjuster to inspect the damage in person. We recommend asking us to be present — we'll walk the adjuster through our findings and answer technical questions.
6. Get the claim agreed in writing. Don't begin repair work until your insurer has confirmed in writing what they'll cover. Note the agreed scope of work and payment terms, including your excess.
7. Proceed with repairs. Once the claim is agreed, we carry out the repair or replacement work to the approved specification, and provide all documentation, invoices and completion evidence for your insurer's records.

Do I Have to Use My Insurer's Approved Contractors?

Not always — and it's worth checking before you accept any insurer-arranged repair. Some UK insurers insist on using their own approved contractor panel; others let you choose your own roofer, provided the quote and scope of work are approved first. Check your policy wording carefully — if it doesn't explicitly require an insurer-appointed contractor, you may have the right to appoint your own.

There are real advantages to using your own local roofer.

• You know who is coming to your property
• You have a direct line of contact throughout the job
• A local roofer understands Nottingham's housing stock, typical tile types, and regional materials
• You can hold them accountable if something isn't right after the work is done

At Trust Roofing Services, we work alongside insurers regularly. We provide detailed, itemised written quotes and a full remedial report, attend loss adjuster visits, and answer technical questions on your behalf. We've helped homeowners across Hucknall, Carlton, West Bridgford, and Beeston through exactly this process.

Insurer-Appointed Contractor or Your Own Local Roofer — What Actually Changes

Here's what actually changes depending on who inspects and repairs your roof.

Why Was My Roof Insurance Claim Rejected — And What Can I Do?

Claim rejections are more common than most homeowners expect. Here are the most frequent reasons, and what you can do about each one.

• Wear and tear — your insurer decides the damage was gradual, not storm-related. Commission an independent inspection report and request a formal written explanation of the rejection.
• Pre-existing damage — the insurer argues the damage existed before the storm. Provide any previous inspection reports or maintenance invoices showing the roof was in good condition beforehand.
• Insufficient evidence — your claim lacked photos, dates, or a professional report. A detailed drone survey report is one of the strongest pieces of supporting documentation you can submit.
• Wind speed threshold not met — some policies require wind speeds to exceed a certain level. Request Met Office weather records for your exact postcode on the date of the storm — these are free to obtain.
• Policy exclusions — the type of damage falls outside your specific policy. Read the exclusion clauses carefully, and raise a formal complaint with your insurer if you believe it's been applied incorrectly.

If your insurer's final decision is still unsatisfactory, you have the right to escalate to the Financial Ombudsman Service (FOS) free of charge — an independent body that reviews disputed insurance decisions.

We produce a professional written report with our findings, the likely cause of damage, and a detailed scope of repair — the document your insurer needs to process the claim quickly and fairly.

We attend the loss adjuster visit with you. Loss adjusters work on behalf of the insurer, so having your own roofer present means the technical detail is covered from your side and nothing is overlooked.

We carry out all repair work to the agreed specification and provide full completion documentation, so your insurer receives everything they need to settle the claim cleanly.

Frequently Asked Questions — Making a Roof Insurance Claim

Ready to Start Your Roof Insurance Claim? Here's Your Next Step.

Get a Free Drone Survey Before You Contact Your Insurer

If your roof has been damaged and you're not sure where to start, we're here to help. Trust Roofing Services is a family-run roofing company based in Hucknall, serving homeowners and businesses across Nottingham and Nottinghamshire. We carry out free drone roof surveys, produce professional inspection reports, and support our customers through the full insurance claims process — from first inspection to final sign-off.

Every quote we provide is written and itemised, and we attend loss adjuster visits alongside you so nothing is missed on the technical side of your claim.

📞 Call us today on 0115-647-3275

Get in Touch

Trust Roofing Services — Hucknall
40 Harrow Rd, Hucknall, Nottingham NG15
📞 0115-647-3275
✉️ [email protected]

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