The Year Of The Fox Posted 27 January 2013 Posted 27 January 2013 Since the snow over the last two weeks we've developed a crack in our ceiling of our flat roof in our bathroom. Water has been coming through the past two days- fortunately because the snows gone its stopped overnight, but as soon as it rains heavily again it'll be back. We're not covered under our house insurance. I'm just wondering if anyone knows if you can get the repairs done on your mortgage- ie pay back a bit more a month. I don't think the repairs will cost much over £1k but we just don't have that money (lots of disposable income my arse Fat Al) Is it possible to do this (I'm sure I've heard somewhere you can if its adding value to your home which it would be in this case) If so, does it depend on your lender or what? Cheers
rico Posted 27 January 2013 Posted 27 January 2013 ask your lender for a loan for home improvements,they may need the details,i did this for new bathroom and didnt have any problems
The Year Of The Fox Posted 27 January 2013 Author Posted 27 January 2013 ask your lender for a loan for home improvements,they may need the details,i did this for new bathroom and didnt have any problems And was it just a separate loan (repayable separately to your mortgage, or did they just lump it on to your mortgage?)
Jon the Hat Posted 27 January 2013 Posted 27 January 2013 Can you not patch the leaky roof? A grand sounds like a complete replacement.
linemakers Posted 27 January 2013 Posted 27 January 2013 Get couple roofers to check it out and give quote, then you will know Deffo know how much.. Might only need a patch or just seal a crack on the roof
Vacamion Posted 27 January 2013 Posted 27 January 2013 Depending on how badly the flat roof is damaged, you could do a temporary repair with this stuff: Alternatively, if there is any way you can allege that a falling tile or slate, dislodged by a storm from another roof higher up, fell onto the flat roof and damaged it, then you can claim for that on insurance. If, however, the roof is found by the Insurers or their contractors to have occurred over a long period of time due to normal weear and tear, they'll decline the claim.
The Year Of The Fox Posted 27 January 2013 Author Posted 27 January 2013 Can you not patch the leaky roof? A grand sounds like a complete replacement. It would be. Apparentley with the current felt, it has a shelf life of about 10 years. The extension was built in 2003. Being in the building trade I know a very reliable builder, so will be using him. He's just been round and looked and we've both agreed a new roof is best, as well as new plywood and fascias
The Year Of The Fox Posted 27 January 2013 Author Posted 27 January 2013 Get couple roofers to check it out and give quote, then you will know Deffo know how much.. Might only need a patch or just seal a crack on the roof Depending on how badly the flat roof is damaged, you could do a temporary repair with this stuff: Alternatively, if there is any way you can allege that a falling tile or slate, dislodged by a storm from another roof higher up, fell onto the flat roof and damaged it, then you can claim for that on insurance. If, however, the roof is found by the Insurers or their contractors to have occurred over a long period of time due to normal weear and tear, they'll decline the claim. I know about the paint/tar thing, but we found a hole in the felt, and its just generally ****ed. Apparentley according to my mate the tubs are about 60 quid, and there's no guarentee it'd fix. As for the insurance thing I spoke to them yesterday. She went on the met office site and because Friday wasn't classed as a storm we're not covered. In fairness the crack appeared the friday before as the missis text me whilst at the Boro game. I'm shit at lying and wouldn't want the risk of being done for fraud in any case.
The Year Of The Fox Posted 27 January 2013 Author Posted 27 January 2013 So my question still stands about home improvement loans being repaid separetley or whether they stick them on your mortgage
Webbo Posted 27 January 2013 Posted 27 January 2013 It would be. Apparentley with the current felt, it has a shelf life of about 10 years. The extension was built in 2003. Being in the building trade I know a very reliable builder, so will be using him. He's just been round and looked and we've both agreed a new roof is best, as well as new plywood and fascias Would it cost much more for a pitched roof? Flat roofs are a pain in the arse that's why you can't get insurance on them.
The Year Of The Fox Posted 27 January 2013 Author Posted 27 January 2013 Would it cost much more for a pitched roof? Flat roofs are a pain in the arse that's why you can't get insurance on them. I was considering that. But with the length of the extension (about 3m) and our big window in the original part of the house overlooking the extension means that the pitch would be ever so shallow and would look pretty pants.
rico Posted 27 January 2013 Posted 27 January 2013 So my question still stands about home improvement loans being repaid separetley or whether they stick them on your mortgage i had mine stuck on my mortgage
The Year Of The Fox Posted 27 January 2013 Author Posted 27 January 2013 i had mine stuck on my mortgage brill cheers my knock the house down n start again
Webbo Posted 27 January 2013 Posted 27 January 2013 Since the snow over the last two weeks we've developed a crack in our ceiling of our flat roof in our bathroom. Water has been coming through the past two days- fortunately because the snows gone its stopped overnight, but as soon as it rains heavily again it'll be back. We're not covered under our house insurance. I'm just wondering if anyone knows if you can get the repairs done on your mortgage- ie pay back a bit more a month. I don't think the repairs will cost much over £1k but we just don't have that money (lots of disposable income my arse Fat Al) I don't know how big your roof is but I was talking to my Bruv in law who is a roofer earlier today and he said a typical garage roof would be less than a thousand. EDIT;I'm not trying to get him the job, just giving you an idea of price.
foz.foz Posted 27 January 2013 Posted 27 January 2013 Sorry for the hijacking fella, but you guys that know the roofers, do any of them do fibreglass or the "rubberised" stuff on a smallish (3ft) front of house extension? Reason I'm asking is that our flat roof has leaked and we were going to pitch it, but because of an "odd" hexagon shaped porch attached to it, not one of the three guys we've had to quote us has had the decency to come back... Cheers.. Foz
The Year Of The Fox Posted 28 January 2013 Author Posted 28 January 2013 Sorry for the hijacking fella, but you guys that know the roofers, do any of them do fibreglass or the "rubberised" stuff on a smallish (3ft) front of house extension? Reason I'm asking is that our flat roof has leaked and we were going to pitch it, but because of an "odd" hexagon shaped porch attached to it, not one of the three guys we've had to quote us has had the decency to come back... Cheers.. Foz The bloke im using has given the option of this fibre glass stuff.
Saxondale Posted 28 January 2013 Posted 28 January 2013 Never put home improvements on your mortgage anyway. People think it's an economical thing to do because the extra amount seems very little. Sticking something like that on a mortgage means you're paying 30yrs of interest on it and you'll end up paying for it three times over. You'd literally be better off with Wonga. If you're struggling for cash, get a small loan from your bank.
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