Insurance-underwritten Guarantee
Insurance-underwritten Guarantee | Roof Replacement | Roofing | Harrogate
When the North Yorkshire weather finally takes its toll, HEP is the local name Harrogate homeowners trust to put things right. Our skilled roofing team combines decades of craftsmanship with the security of an insurance-underwritten guarantee, so you get total peace of mind from the first inspection to the final tidy-up. Whether your slate has slipped, your tiles are tired, or your felt has failed, we remove the stress as quickly as we remove the old roof, replacing every component to the highest industry standards.
Choosing HEP for your roof replacement means choosing transparent pricing, punctual arrivals, and workmanship that’s built to outlast the elements. We source premium materials, photograph every stage of the project for your records, and leave your property spotless each evening. Most importantly, our insurance-backed guarantee stays with the roof even if you move house, protecting your investment and boosting resale value long into the future.
FAQs
What is an insurance-underwritten guarantee for roof replacement?
An insurance-underwritten (or insurance-backed) guarantee is a policy that safeguards your roof replacement investment even if the installing contractor ceases trading. In addition to the workmanship warranty we provide, an independent insurer underwrites the guarantee, so any valid defects in materials or labour that arise during the cover period will still be remedied without extra cost to you.
How long does the guarantee last and what does it cover?
For our Harrogate roof replacements, the insurance-underwritten guarantee runs for 10, 15, or 20 years, depending on the roofing system you choose. It covers: • Premature material failure (tiles, slates, membranes, fixings, flashings, etc.) • Proven workmanship faults leading to water ingress or structural issues • Associated labour and scaffold costs needed to rectify the problem It does not cover storm damage, accidental impact, or lack of proper maintenance—those are normally handled by your home insurance.
How do I make a claim if a problem occurs?
1. Contact us first; many issues can be solved quickly under our standard workmanship warranty. 2. If we are no longer trading or you cannot reach us, notify the insurer directly using the claims phone number shown on your policy certificate. 3. Provide photographs, your policy number, and a brief description of the defect. The insurer will arrange an independent inspection and authorise repairs if the claim is valid. Because the guarantee is insurance-backed, repairs are funded by the insurer rather than you.
Does the insurance-backed guarantee add any cost to my roof replacement?
The premium for the insurance policy is already included in our quoted roof-replacement price, so there are no hidden extras. You will receive your policy certificate upon completion and full payment for the project, giving you complete peace of mind from day one.
Is the guarantee transferable if I sell my Harrogate property?
Yes. The insurance-underwritten guarantee is fully transferable to the new homeowner at no extra charge. Simply pass the policy documents to the buyer’s solicitor during the conveyancing process. This can add value to your property because the roof remains protected for the remainder of the guarantee period.
Do I need to inform my household insurer about the new roof guarantee?
Although not mandatory, it is advisable to notify your household insurance provider once your new roof and insurance-backed guarantee are in place. Doing so may help with future premium negotiations and ensures there is no ambiguity regarding cover limits if you ever need to claim for unrelated storm or impact damage.