Metal theft cases can be considered under the LPOW Roof Repair Fund, provided that the funded works can be insured for their full reinstatement value against theft, loss or damage. NHMF has this insurance requirement as standard, to ensure the highest standards of probity in the distribution of public money.
Ecclesiastical Insurance Group have revised their limits for replacement of external metal after theft. For places of worship that have installed an Ecclesiastical approved roof alarm (as described in the policy schedule) from 1 August 2015 there will be no limits applicable to the policy for theft or attempted theft of external metal and the subsequent damage as a result of the theft or attempted theft. In the event of a loss claims will be paid in full up to the buildings and/or contents sums insured. No additional premium is due for this unlimited cover.
For metal theft cover to apply, churches must have applied SmartWater (or an alternative forensic marker), put up the warning signs in a prominent place and registered the product.
Ecclesiastical has increased the cover for metal theft where there is scaffolding provided a forensic marker has been applied, an Ecclesiastical approved roof alarm fitted and certain security requirements met. Further information is available here. The new limits do not apply to losses occurring prior to the 1 August 2015.