References

Roofs

31 sources in the library on roofs, 14 on this page cited in a published note. Each one says what the document covers and what it is good for. Name a source to see which document it is and where to read it. One at a time.

  1. very strong RN-II89LG cited

    Health and Safety Executive

    HSE states that almost one in five deaths in construction work involve roof work, with the main causes being falls from roof edges or openings and falls through fragile roofs and fragile rooflights. It requires all roofs to be treated as fragile until a competent person has confirmed otherwise, and calls for a working platform beneath the roof where possible, with stagings, guard rails, fall restraint, fall arrest and safety nets slung beneath and close to the roof. Sloping roofs need edge protection at the eaves, and on terraced properties to both front and rear; flat roofs need a secure double guardrail and toeboard around the edge. This is the citation for why a roof job needs scaffolding rather than a ladder.

    Cited in The Complete UK Roofing Guide (2026).

  2. very strong RN-SM6TRW cited

    Ministry of Housing, Communities and Local Government

    The statutory source for soakaway design and the discharge hierarchy every garden drainage note should state. Requirement H3(3) lists the order of priority for rainwater discharge: (a) an adequate soakaway or other adequate infiltration system, or where not reasonably practicable (b) a watercourse, or where not reasonably practicable (c) a sewer. Paragraph 3.25 bars infiltration devices within 5 metres of a building or road, in ground where the water table reaches the bottom of the device at any time of year, too close to other drainage fields or soakaways, or where contamination could pollute groundwater. Paragraph 3.26: soakaways serving less than 100 square metres are generally square or circular pits filled with rubble or lined with dry-jointed masonry or perforated ring units. Paragraph 3.27: design to a return period of once in ten years, and for small soakaways serving 25 square metres or less a design rainfall of 10mm in 5 minutes may be assumed as the worst case. Paragraph 3.28 requires percolation tests to derive the infiltration rate, and paragraph 3.30 sends larger soakaways to BS EN 752-4 or BRE Digest 365 Soakaway design. Paragraphs 2.10 to 2.12 cover pervious paving over a granular storage reservoir and warn against its use where sediment or oil spillage would block the pores. For foul drainage, paragraph 2.33 sets a minimum 75mm internal diameter, or 100mm for a WC, and Table 6 gives minimum gradients of 1 in 40 for 75mm and 100mm at peak flows under 1 litre per second.

    Cited in Adding an Ensuite: Cost, Layout & Plumbing, Annexe & Granny Flat: Cost, Planning & Rules, Blocked Drains: Causes & Clearing Costs, Garden Drainage & Soakaways Explained and 21 more.

  3. very strong RN-X4J5YY cited

    Ministry of Housing, Communities and Local Government

    The 2026 edition takes effect on 24 March 2027 for work not connected with higher-risk building work, and 24 September 2027 where it is, with transitional arrangements in Circular Letter 01/2026. Table 3.1 sets limiting U-values for new dwellings: all roof types 0.16, wall 0.26, floor 0.18, window 1.6, rooflight 2.2, doors 1.6 W per square metre per kelvin, with air permeability 8.0 cubic metres per hour per square metre at 50Pa. Table 3.2 covers new elements in existing dwellings, that is extensions and loft conversions: roof 0.15, wall 0.18, floor 0.18, window 1.4 or Window Energy Rating Band B, rooflight 2.2. Table 3.3 covers upgrading existing elements: a roof with a U-value worse than the 0.35 threshold must be improved to 0.16, and note 2 confirms that for dormer windows the roof figure covers the roof parts and the wall figure the cheeks, while note 3 allows a higher U-value where the standard would limit head room provided the insulation plus air gap is at least the depth of the rafters.

    Cited in Insulation: The Complete Guide.

  4. very strong RN-Z6AXUW cited

    Ministry of Housing, Communities and Local Government (GOV.UK)

    The full Approved Document A PDF, which carries the deemed-to-satisfy tables a domestic project is checked against. Section 2E covers foundations of plain concrete: paragraph 2E3 gives the recommended minimum widths of strip foundations in Table 10, keyed to ground type and total load of loadbearing walling per linear metre. Table 10 sets, for rock (not inferior to sandstone, limestone or firm chalk, requiring at least a pneumatic or mechanically operated pick to excavate), a width equal to the width of the wall at every load. For medium dense gravel or sand (requires a pick to excavate, a 50mm square wooden peg hard to drive beyond 150mm) and for stiff clay or stiff sandy clay (can be indented slightly by the thumb), the minimum widths are 250mm at 20 kN per linear metre, 300mm at 30, 400mm at 40, 500mm at 50, 600mm at 60 and 650mm at 70. Firm clay and firm sandy clay (thumb makes an impression easily) start at 300mm. The document also covers minimum depth of strip foundations, wall thickness rules for residential buildings up to three storeys (paragraph 2C10 covers internal loadbearing walls in brickwork or blockwork), buttressing, lateral support by floors and at roof level, interruption of lateral support, wall cladding in Section 3, and Section 5 on reducing sensitivity to disproportionate collapse with the building consequence classes.

    Cited in Adding an Ensuite: Cost, Layout & Plumbing, Adding Porch, Annexe & Granny Flat: Cost, Planning & Rules, Bin & Bike Storage Ideas and 37 more.

  5. very strong RN-XGHWIW cited

    Planning Portal

    Explains the two loads a replacement roof has to deal with. For wind uplift the roof must be tied down to the structure with straps roughly 1.2m long fixed to the wall plate at every 2.0m centres. For spreading, it explains that ceiling joists fixed to the bottom of the rafters stop the rafters pushing the walls apart, and that a roof left exposed without ceiling joists needs an engineer's advice. The page states it is not a definitive source of legal information and refers readers to their local building control authority, so pair it with Approved Document A for the 15 per cent loading threshold.

    Cited in The Complete UK Roofing Guide (2026).

  6. very strong RN-ITXSTK cited

    Planning Portal

    Explains that fitting a rooflight generally means cutting away part of one or more rafters or joists, so new support must be introduced, usually two pieces of timber fixed together spanning the new opening on either side. It directs the U-value limit to Approved Document L1 Volume 1, Table 4.2, and states that the room the rooflight serves must be ventilated, with the rooflight able to provide both rapid (purge) and background ventilation, and that ventilation of the roof void must also be considered.

    Cited in Glazed Extensions: The Complete UK Guide, The Complete UK Roofing Guide (2026).

  7. very strong RN-R4P8KA cited

    The National Archives (legislation.gov.uk)

    Regulation 4(1) requires building work to be carried out so that it complies with the applicable requirements of Schedule 1 and does not cause a previously compliant part of the building to breach a requirement. Regulation 4(3) is the rule that matters for extensions, loft conversions and re-roofing: on completion of an extension or material alteration the building must be no more unsatisfactory in relation to the requirement than before the work was carried out. It also sets out the narrower Part L and Part F only route for controlled services and fittings that are not material alterations.

    Cited in How to Tell If a Wall Is Load-Bearing, uPVC vs Timber vs Aluminium Windows.

  8. very strong RN-5QRXP7 cited

    The National Archives (legislation.gov.uk)

    Class C permits any other alteration to the roof of a dwellinghouse, which is the right rooflight and Velux loft conversions rely on. Paragraph C.1(b) makes development not permitted if the alteration would protrude more than 0.15 metres beyond the plane of the roof slope, measured perpendicular to the original roof plane, and C.1(c) if the highest part of the alteration would be higher than the highest part of the original roof. C.1(d) excludes chimneys, flues, soil and vent pipes and solar equipment from the class, and condition C.2 requires any window in a roof slope forming a side elevation to be obscure-glazed and non-opening below 1.7 metres above the floor of the room.

    Cited in Non-Habitable Loft Conversion: Loft Rooms & the Rules, Renovate or Rebuild? How to Decide, Roof Lanterns: Cost & Options, Roof Light vs Dormer Loft Conversion: Which to Choose and 6 more.

  9. very strong RN-CY8PF5 cited

    Welsh Government (gov.wales)

    WALES. Loft insulation must meet the minimum energy efficiency values in the Welsh Approved Documents, and where that upgrade is not technically or functionally feasible the element must instead be upgraded to the best standard achievable within a simple payback of no greater than 15 years. Installing loft insulation as part of a roof renovation where MORE THAN 25 PER CENT OF THE ROOF is being renewed triggers the full Approved Document standard, the Welsh version of the renovation of a thermal element trigger. The guidance warns against blocking ventilation at the eaves. Read alongside Table 4.1 of the Welsh Approved Document L Volume 1, which sets 0.13 W/m2K for roofs in both new and existing dwellings.

    Cited in Insulation: The Complete Guide.

  10. strong RN-DVFEWE cited

    BSI

    BS 5250:2021, published 31 July 2021, is the current code of practice for managing moisture in buildings and the reference for cold roof and warm roof condensation risk, roof void ventilation and the choice between high resistance and low resistance underlays. It replaced the earlier condensation code of practice and is the standard the NFRC and the Approved Documents point to when a note discusses interstitial condensation in a loft or a boarded roof.

    Cited in Roof Tiles & Slates: Coverage, Fixings & Ventilation.

  11. strong RN-2FH5S1 cited

    BSI (British Standards Institution)

    STATUS: CURRENT. BS EN 13956:2012 was published 31 January 2013, is identical to EN 13956:2012 and supersedes BS EN 13956:2005. It gives the definitions and characteristics for plastic and rubber sheets used for roof waterproofing, specifying the requirements and test methods and providing for evaluation of conformity, with thermoplastic rubber blends and alloys covered and typical materials and applications set out in Annex E. This is the harmonised product standard behind single ply flat roof membranes such as EPDM, TPO and PVC, so it is what a note should cite when it says a single ply membrane is CE or UKCA marked, as distinct from BS EN 13707 for reinforced bitumen membranes and BS 6229 for the design of flat roofs with continuously supported coverings. Catalogue page confirms number, title, date, status and scope; the characteristic tables are paywalled.

    Cited in Flat Roof Materials: EPDM vs GRP vs Felt.

  12. strong RN-JXXFKF cited

    BSI (British Standards Institution)

    STATUS: CURRENT. BS EN 492:2012+A2:2018 was published 30 June 2018 and supersedes BS EN 492:2012+A1:2016 and BS EN 492:2012. It sets the technical requirements and test methods for fibre cement slates and fittings used for roofing and for internal and external wall and ceiling finishes, applying to slates with a maximum height dimension of 850 mm and covering products reinforced with various fibre types. It specifies nominal dimensions, shapes and edge configurations and gives test methods for density, mechanical properties and water resistance (impermeability). Importantly for a note, it does NOT cover installation technique, design or wind uplift calculation: those sit in BS 5534, so a note should not cite BS EN 492 for fixing patterns. Catalogue page confirms number, title, date, status and scope; the requirement tables are paywalled.

    Cited in Natural Slate vs Fibre-Cement Slate.

  13. good RN-J8WBI4 cited

    Lead Sheet Training Academy

    The LSTA is the UK training body for lead and hard metal roofing, operating from a purpose-built facility at East Peckham in Kent and recognised as a CITB Approved Training Organisation. It publishes Rolled Lead Sheet: The Complete Manual, the standard reference for lead sheet codes, fixing centres and detailing at chimneys, valleys and abutments. It is the correct authority for a lead flashing note, and its training status is the credential to look for in a leadworker.

    Cited in The Complete UK Roofing Guide (2026).

  14. good RN-0NJ8CN cited

    National Federation of Roofing Contractors

    The roofing trade body's own index of the standards that govern UK roofing work, useful for checking which standard a note should name. It lists BS 5250:2021 management of moisture in buildings, BS 5534:2014+A2:2018 slating and tiling for pitched roofs and vertical cladding, BS 6229:2018 flat roofs with continuously supported flexible waterproof coverings, BS 8612:2018 dry fixed ridge, hip and verge systems, BS 8000-6:2013 slating and tiling workmanship, BS 8217:2005 reinforced bitumen membranes, BS 8218:1998 mastic asphalt roofing, BS 5427:2016+A1:2017 profiled sheet cladding and BS 8414-1 and 2:2020 fire performance of external cladding, alongside Approved Documents A, B, H and L.

    Cited in The Complete UK Roofing Guide (2026).

  15. very strong RN-XHXJR2

    Cadw, Welsh Government

    WALES. It is a criminal offence to demolish, alter or extend a listed building in any way that affects its character as a building of special architectural or historic interest without listed building consent. Like-for-like repairs such as replacing roof slates with the same size and type of slate do not normally need consent, but cleaning stonework or replacing windows is likely to. A certificate of immunity from listing can be applied for from Cadw and prevents listing for FIVE YEARS from issue, during which a local planning authority may not serve a building preservation notice. A building preservation notice protects an unlisted building as if listed for up to six months while Cadw assesses it, with compensation potentially payable for loss caused by interim protection if it is not listed. Delisting proposals are consulted on with the owner, occupier, local planning authority and other interested parties, allowing 28 days for written responses. Authorities can carry out urgent works to preserve a listed building and recover the cost from the owner, issue a repairs notice, and ultimately pursue compulsory purchase.

  16. very strong RN-3X8KRH

    Planning Portal

    The Planning Portal's consumer-facing statement of the Class C roof alteration rules: an alteration must not project more than 150 millimetres from the plane of the existing roof slope, and a window in a roof slope forming a side elevation must be obscure-glazed and, if opening, sited 1.7 metres above the floor of the room. Useful as the plain-English citation to sit alongside the GPDO itself; it refers readers to the government's householder technical guidance for the rest.

  17. very strong RN-EP6MR8

    The National Archives (legislation.gov.uk)

    The regulations that govern any roof or loft work at height. Regulation 4 requires work at height to be properly organised and planned, regulation 6 requires risks to be avoided where reasonably practicable, regulation 7 governs the selection of work equipment and regulation 8 its particular requirements, regulation 9 deals specifically with fragile surfaces, regulation 10 with falling objects, and regulations 12 and 13 require inspection of work equipment and of places of work at height. Nine schedules set the technical requirements for guard-rails, working platforms, ladders and fall protection systems. Cite this alongside HSE guidance when a note explains why roof and loft work needs a platform rather than a ladder.

  18. very strong RN-3APQ6X

    The National Archives (legislation.gov.uk), Acts of the Scottish Parliament

    SCOTLAND, and there is no England equivalent: England relies on leases and service charges where Scotland legislates for flat ownership directly. Sections 1 to 3 fix tenement boundaries and pertinents by default, so ownership of the roof, close and solum is settled by statute rather than by title alone. Section 4 applies the Tenement Management Scheme in Schedule 1 wherever the title deeds are silent, and section 4A lets a local authority pay a share of scheme costs. Sections 7 to 10 abolish the common law of common interest for tenements and replace it with a statutory duty at section 8 to maintain any part providing support or shelter, a prohibition at section 9 on interfering with support or shelter, and a cost recovery right at section 10. Sections 11 to 15 set when liability for repair costs arises, bind successors at section 12, allow a Notice of Potential Liability for Costs at section 13 and give a former owner a recovery right at section 14. Sections 5 and 6 route disputes to the sheriff.

  19. very strong RN-OLMVVL

    The National Archives (legislation.gov.uk), Acts of the Scottish Parliament

    SCOTLAND. The default rules for organising and paying for common repairs in a Scottish tenement, in force since 28 November 2004. Rule 1.2 defines scheme property and rule 1.4 a scheme decision; maintenance expressly includes repairs, replacement, the installation of insulation, cleaning, painting, routine works and gardening, but not demolition, alteration or improvement unless reasonably incidental. Rule 2.2 allocates one vote per flat and rule 2.5 makes a scheme decision by simple majority of all votes allocated, so a single objecting owner cannot block a repair. Rule 2.6 requires at least 48 hours notice of a meeting, and rule 2.10 lets any owner who did not vote in favour and who would bear not less than 75 per cent of the costs annul the decision, within 21 days of a meeting they attended. Rule 4.1 lists the recoverable scheme costs including common insurance and door entry systems. Rule 4.2 shares maintenance costs equally among the flats unless the largest flat's floor area is more than one and a half times the smallest, in which case liability is apportioned by floor area; rule 4.3 applies that same floor-area test to the roof over the close.

  20. strong RN-4PFJ8L

    BRE Group

    The catalogue of BRE Digests, Good Building Guides and reports that building professionals cite, with document numbers, authors, dates and prices, which lets a note reference the correct BRE publication rather than BRE in general. Titles include Rising damp in walls: diagnosis and treatment (DG 245, 2007, 15 pounds), Assessment of damage in low-rise buildings with particular reference to progressive foundation movement (DG 251, revised 1995, 15 pounds), Foundation movement and remedial underpinning in low-rise buildings (BR 184, 1991, 35 pounds), Recognising wood rot and insect damage in buildings 3rd edition (BR 453, 2003, 37.50 pounds), Radon: guidance on protective measures for new buildings including supplementary advice for extensions, conversions and refurbishment projects, 2023 edition (75 pounds), Site layout planning for daylight and sunlight: a guide to good practice (BR 209, 2022 edition, 75 pounds, superseding the 2011 edition), External fire spread: building separation and boundary distances (BR 187 2nd edition, 55 pounds) and Wind loads on roof-mounted photovoltaic and solar thermal systems (DG 489, revised 2014, 24 pounds). The BRE U-value Calculator is listed at 0 pounds plus VAT.

  21. strong RN-PFR673

    BSI (British Standards Institution)

    STATUS: CURRENT. BS EN 12588:2006 was published 31 January 2007, is identical to EN 12588:2006, and supersedes BS EN 12588:1999, which is withdrawn. It specifies the designation, chemical composition requirements, surface condition and dimensional tolerances for rolled lead sheet produced by roll deformation, for roofing, flashings, weatherings, cladding, pre formed panels, damp proof courses and similar building uses, and it includes the colour codes for thickness that give the familiar Code 3 to Code 8 lead sheet designations. Two changes from the 1999 edition are worth citing: the maximum tin content was raised from 0.005 per cent to 0.05 per cent to improve corrosion resistance, and manual handling guidance was added because of the weight of the product, along with recycling recommendations noting a documented recycling rate above 90 per cent. Catalogue page confirms number, title, date, status, supersession, scope and those changes.

  22. strong RN-S7TZDR

    BSI (British Standards Institution)

    STATUS: CURRENT (marked Under Review). BS EN 1304:2013 was published 30 June 2013 and is the harmonised product standard for clay roofing tiles and fittings used in pitched roof coverings and in vertical wall cladding and lining, superseding BS EN 1304:2005. It specifies structural characteristics, geometric properties, physical and mechanical characteristics, and gives the marking and evaluation of conformity requirements, so it is the standard a clay tile is CE or UKCA marked against. It sits alongside BS EN 490 for concrete tiles, BS EN 492 for fibre cement slates and BS EN 12326 for natural slate, with the test methods for clay tiles in the BS EN 539 series and installation in BS 5534. Catalogue page confirms number, title, date, status and scope; the requirement tables are paywalled.

  23. strong RN-GWKTRS

    BSI (British Standards Institution)

    STATUS: WITHDRAWN on 31 January 2012. BS EN 490:2004+A1:2006 was published 19 January 2005, identical to EN 490:2004, and specified the requirements for concrete roofing tiles and fittings for pitched roof coverings and for wall cladding and lining. It was replaced by BS EN 490:2011, so a note citing the 2004 or 2006 edition is quoting a withdrawn one; an undated citation of BS EN 490 remains safe. The companion test method standard is BS EN 491, and the equivalents for other coverings are BS EN 1304 for clay tiles, BS EN 492 for fibre cement slates and BS EN 12326 for natural slate, with fixing and wind uplift design in BS 5534. Catalogue page confirms number, title, publication date, withdrawal date and scope but does not name the replacement.

  24. strong RN-T77400

    BSI (British Standards Institution)

    STATUS: WITHDRAWN on 31 January 2012, on the same day as its companion product standard BS EN 490:2004+A1:2006. BS EN 491:2004 was published 18 January 2005, ISBN 0 580 45377 4, and specified the test methods for concrete roofing tiles and valley tiles for pitched roofs: dimensional checks on hanging length, squareness, cover width and flatness, and performance tests for mass, transverse (breaking) strength, impermeability, freeze thaw resistance and nib support. It was replaced by BS EN 491:2011. A note quoting transverse strength figures for concrete tiles tested to BS EN 491:2004 is citing a withdrawn edition. Catalogue page confirms number, title, publication date, withdrawal date and scope but does not name the replacement.

  25. strong RN-AS511G

    BSI (British Standards Institution)

    STATUS: CURRENT. BS EN 539-2:2013 was published 31 May 2013 and supersedes BS EN 539-2:2006. It specifies the test method for determining the frost resistance of clay roofing tiles and fittings, and it is explicit that the method is common across CEN member states while each state sets its own required performance level, which is why UK frost resistance expectations for clay tiles are set nationally rather than by the test standard. Part 1 of the series covers the impermeability test. It is the test standard that supports the product requirements in BS EN 1304:2013, and it is the reference behind a note explaining why an unsuitable clay tile spalls and delaminates after a hard winter. Catalogue page confirms number, title, date, status and scope; the procedure is paywalled.

  26. strong RN-7KJ2JY

    National House Building Council

    NHBC, established in 1936, is the UK's leading independent new home warranty and insurance provider and the publisher of the NHBC Standards, the technical requirements that sit alongside the Building Regulations for warranted homes. Its Buildmark warranty covers newly built or converted homes for sale, with Buildmark Choice for rental and shared ownership and Buildmark Connect for commercial space in mixed-use schemes, currently protecting around 1.2 million homes. Cite NHBC Standards where a roofing or extension note needs a workmanship benchmark stricter than the minimum in an Approved Document.

  27. strong RN-098KFI

    Royal Institution of Chartered Surveyors

    The RICS scope table for a Level 3 survey, which lets a note say exactly what the surveyor will and will not do rather than repeating marketing copy. For every level, the member inspects roof space no more than three metres above floor level using a ladder where safe and reasonable. At Level 3 specifically the member enters the roof space and visually inspects the roof structure, lifts small corners of thermal insulation to identify its thickness and type and the nature of the ceiling below, and repositions a small number of lightweight possessions where permission is given; attempts to open all windows where permission, keys and safety allow; lifts the corners of loose and unfitted floor coverings and assesses all floors for excessive deflection by a heel-drop test, carrying out an inverted head and shoulders subfloor inspection and entering the underfloor area where safe; lifts accessible inspection chamber covers to drains and septic tanks and observes the drains in normal use; visually inspects all visible parts of the service systems, operating a sample of lights and extractor fans and asking the occupier to operate the heating; and performs a comprehensive inspection of the grounds. Services are never tested, only observed in normal operation, and the member does not perform or comment on design calculations. Appendices A and B of the Home Survey Standard are the benchmark tables the levels are built from.

  28. good RN-YEI1QQ

    Liquid Roofing and Waterproofing Association

    The UK trade association for liquid applied waterproofing, founded in 1979, bringing together manufacturers, contractors and installers of liquid applied membranes. It publishes technical guidance and standards for the sector, including a Hot Melt Code of Practice updated to reflect BS 6229:2025, fire safety resources and a Liquid Roofing Finder product register. It is the body to cite for liquid systems (including GRP and polyurethane) in a flat roof comparison, alongside SPRA for single ply.

  29. good RN-08WOVL

    Single Ply Roofing Association

    SPRA is the trade association for the single ply roofing industry, established in 1992, made up of manufacturers, distributors and installers. Its Technical Committee has authored a library of technical guidance documents and component quality standards covering the design, specification, installation and maintenance of single ply roofing systems in the UK. It is the authority to name when a flat roof note compares single ply membranes with felt, GRP or liquid systems.

  30. good RN-X8D0QE

    Structural Timber Association

    The STA is the trade body representing structural timber manufacturers and specifiers, working to increase structural timber specification and to influence legislation and regulation in the sector. Its flagship technical document is the Volume 1 Pattern Book, covering the fire resistance performance of a range of commonly used structural timber walls and floors and explaining component build-ups and the modifications that are permitted. The Pattern Book is freely available to designers and specifiers but may only be used on projects where the timber frame, SIPs or mass timber elements are supplied by an STA member manufacturer, a limitation worth stating if a note points a reader to it. The STA also runs the STA Assure Quality Assurance Scheme for member competency and publishes fire research on timber frame and mass timber systems.

  31. fair RN-Y3THH4

    Financial Ombudsman Service

    The ombudsman's own account of what it sees and how it decides, last updated 24 July 2023, which is a stronger citation than an insurer's marketing page. Confirms that buildings insurance typically responds to accidental damage, weather such as storms, flooding, ground movement such as subsidence, and underground pipes made from pitch fibre. Lists the recurring complaint types: repairs done but the problem not fixed; the insurer insisting on repair where the consumer wants replacement; the insurer deciding the sum insured on buildings or contents is not enough to cover the claim, which it names as underinsurance; the insurer saying the customer carelessly or deliberately failed to give the true rebuild cost of the home or replacement cost of contents and cancelling the policy on that basis; a replacement offered that is not the same as what was lost; and a cash settlement too small to have the repairs done. Links its separate approaches to accidental damage, building warranties, damage to underground pipes, flood damage, gradual damage, home emergency insurance and multiple-occupancy buildings insurance.