Is your Roof Insured against Climate Change? -‘Diurnal Drift’ causes Roof Collapse for Will Self and Neighbours

Four houses in a terrace in a Stockwell South London Conservation Area will need to rebuild their roofs after a collapse.  One of them is owned by Will Self.

The unlikely cause – Evening Standard

The writer and his family were among those evacuated after bricks, masonry and other debris fell from the properties on Tuesday evening when the roofs crumbled.

Today structural engineers told residents the collapse could be a result of “diurnal drift” – which is the change in temperature over the preceding 24 hours.

On Tuesday the capital experienced the hottest day of 2012, with temperatures rising to nearly 26C – 17C higher than the lowest temperature the day before.

The home of the Solicitor General, Edward Garnier, MP, was among those affected.

His wife, Anna, 57, said: “There were meetings on the site all day yesterday. The engineers have been wonderful. They told us that they think it happened as a result of diurnal drift – which is the change in temperature.”…

Will Self’s wife, Guardian columnist Deborah Orr, last night voiced concerns that insurers would not cover the incident.

Tweeting about a future claim, she said: “The bummer is the insurers are very reluctant”

Early reports claimed the cause of the collapse could be “wear and tear”, which is not covered by insurance, but it is unclear whether the heatwave would be deemed “an act of God”, which would not be covered either.

Just try challenging the Solictor General on the insurance policy fine print, just try.  Is your roof insured against global warming?

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