A National Churches Trust survey found that over 20% of churches experienced deterioration in the past five years, while nearly 38% said their roofs were either at risk or in urgent need of repair. The findings underline the scale of pressure facing heritage buildings, where ageing materials, weather exposure and limited maintenance budgets can quickly turn small defects into serious structural issues. For churches, roof deterioration is not just a conservation concern. It ca

UK homeowners are often surprised when a home insurance claim is rejected, but insurers can decline cover where damage is linked to wear and tear, gradual deterioration or poor maintenance. Recent FCA (Financial Conduct Authority) linked commentary shows this remains a common issue in home insurance, particularly where policy wording is unclear or the cause of damage is disputed. The key point is that insurers usually pay for sudden, insured events - not problems that build u