Roof Condition Report for Insurance in Sussex
When an insurer asks for evidence of your roof’s condition, we carry out a professional roof inspection and prepare a clear photographic report showing the visible condition, defects and relevant observations found on the day.
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A roof inspection turned into usable evidence
The report is designed to give an insurer a clear record of what we could see, what appears serviceable, what defects are present and which areas may need repair or further investigation.
Included in the £220 + VAT report
- Inspection of accessible pitched and/or flat roof areas.
- Photographs of relevant roof slopes, defects and junctions.
- Notes on tiles or slates, ridges, hips, valleys and verges where relevant.
- Visible assessment of chimneys, flashings, leadwork and roof penetrations.
- Flat-roof covering, upstand and drainage observations where applicable.
- Drone imagery where safe, lawful and useful to the inspection.
- Clear written observations about visible roof condition.
- Repair recommendations where defects are identified.
- A photographic report you can forward to your insurer.
What the report does not decide
This is roofing evidence, not an insurance coverage decision. Keeping that distinction clear makes the report more useful.
- We do not decide whether your policy covers the damage.
- We do not act as your insurer or loss adjuster.
- We do not guarantee that an insurer will accept a third-party report.
- The inspection is normally visual and non-destructive unless another scope is agreed.
- Structural engineering conclusions are outside a standard roofing condition report.
Before booking: if your insurer has supplied a form, wording requirement or approved-surveyor condition, send that to us first.
Condition evidence is strongest when the defect can actually be seen
The Financial Ombudsman says clear, detailed reports supported by photographs can be persuasive evidence when roof condition, storm damage and wear-and-tear arguments are being considered.
Drone imagery can give useful context across high-level roof slopes and help show where individual defects sit within the wider roof.
Close photographs should show the actual defect clearly enough for somebody reading the report later to understand what was observed.
Chimneys, flashings, valleys and other junctions often need their own photographs because water can enter at interfaces rather than the middle of a roof slope.
What an insurer can see in the finished report
The report is organised so photographs and written observations relate to identifiable roof areas rather than being a loose collection of images.
Property & inspection
Property identification, date of inspection and the roof areas that were visually assessed.
Roof condition
Visible condition of coverings, junctions and other relevant roof elements.
Photographic evidence
Images showing defects and enough wider context to understand where they are located.
Observations & next steps
Clear roofing observations and recommendations for repair or further investigation where necessary.
Select the insurance situation closest to yours
The inspection remains condition-based, but the reason you need the report can affect which roof areas and evidence deserve particular attention.
A good report separates what is visible from what is assumed
This is particularly important when there is a disagreement about whether damage is recent, storm-related or the result of longer-term deterioration.
What can be seen
For example: a tile is broken, a flashing is split, a flat-roof area is blistered or a ridge detail is loose.
What surrounds it
Is the defect isolated? Is the adjacent roof generally serviceable? Are there signs of broader age-related deterioration?
What the evidence suggests
Where appropriate, the report can explain the roofing significance of the visible defect without pretending to make the insurer’s coverage decision.
From insurer request to photographic report
If your insurer has already asked a specific question, send us that wording before the inspection so we know what evidence it wants addressed.
Send insurer requirements
Provide the address plus any email, claim instruction, form or question the insurer has given you.
Roof inspection
We assess the relevant roof areas using safe access and drone imagery where appropriate.
Photographic report
We compile the condition photographs, observations and roofing recommendations into the report.
Send to your insurer
You can forward the report to the insurer, broker, claims handler or other party that requested it.
Book the report through the most relevant local number
The report price is the same £220 + VAT service; these numbers simply make it easier to reach the correct Sussex area.
If remedial roofing is recommended
The £220 + VAT service is the inspection and photographic insurance report. If repair work is appropriate, we can provide a separate quotation so you have a clear distinction between the evidence report and the proposed work.
Buying or selling a property?
If the report is for a property purchase rather than an insurance matter, use our dedicated roof survey service instead. That page is structured specifically around buyer and seller due diligence.
Questions before booking the £220 + VAT inspection
These answers are designed to keep the scope clear between roofing evidence and the insurer’s own claims or policy decision.
What does the £220 + VAT include?
The fee covers the roof condition inspection and the photographic written report. The report records visible roof condition, relevant defects and observations from the areas we can inspect safely. Any repair work is quoted separately.
Can I give the report directly to my insurer?
Yes. The report is prepared so you can send it to your insurer as supporting roof-condition evidence. You should still check whether your insurer requires its own surveyor, contractor, wording or claim form.
Will the report prove that my insurance claim is covered?
No. Bespoke Roofing records the roof condition and visible evidence; your insurer decides whether a claim is covered under your policy. We do not make insurance coverage decisions.
Can the report help where an insurer mentions wear and tear?
A clear photographic record can help show the visible condition of the roof and the defects found at inspection. The Financial Ombudsman notes that clear, detailed reports supported by photographs can be important evidence in storm-damage disputes.
Do you use a drone?
Drone imagery can be included where it is safe, lawful and useful. It is especially helpful for high-level overviews, but it does not replace close inspection where detailed diagnosis is needed.
Can you inspect flat roofs as well as pitched roofs?
Yes. We can report on pitched and flat roof areas, subject to safe access and the limitations of a non-destructive inspection.
Can you carry out repairs after the report?
Yes. If roofing work is recommended, we can provide a separate written quotation. The insurance report itself remains a record of the condition observed at the inspection.
Which areas do you cover?
We cover Brighton, Hove, Worthing, Pulborough, Horsham, Haywards Heath, East Grinstead and surrounding Sussex areas. Local contact numbers are listed on this page.
Insurance evidence & roofing references
Financial Ombudsman Service — storm damage, property condition, reports & photos → Financial Ombudsman Service — clear reports and photographic evidence → Association of British Insurers — storms, roof maintenance and claim evidence → Bespoke Roofing — 100+ Checkatrade reviews → Federation of Master Builders — Bespoke Roofing & Renovations Ltd →Need a roof condition report to give your insurer?
Send the property address and the insurer’s request if you have it. We can then arrange the inspection and prepare a photographic roof condition report based on what we observe.