Will my insurance cover my rain damaged roof?

[bexta]

Hi Guys, I am pulling my hair out. Can someone please clarify a few things for me.

On Wednesday I had a nice, well maintained house (which included my roof). By Friday night the rain had washed away loads of grout holding on my ridge tiles. Now I have damp beams in the loft and roof tiles sliding out of place and the rain in not letting off.
I called a roofing company to give me a qoute who are due to come tomorrow, and called my insurance company to let them know I had a problem.
They said I wasn't covered as it was wear and tear and it was a maintenance issue.
Can they do that? I mean yes my roof is old but it was in good condition so why can't I claim? The rain was definatley heavy enough to do damage as all of the houses in my street have been affected by it, even the one's with new roof's.
I am concerned that even if the qoute is cheap and I get the ridge tiles repaired, what will happen about any further problems that I have due to the damp beams in the loft, could I claim if those suddenly give way?
Ahh I'm confused!

[dzug]

mmm the fact that rain washed away the grouting suggests that it was in poor condition

Were all these houses built by the same builder at the same time? He may have botched the mix.

[bexta]

I know it looks dodgey but my Dad had been up there to secure it all as I haven't been in the property long and a lot of work was needed when I moved in. My Dad is a perfectionist and he would have made sure it was secure.

They were all built in the 1940's and are ex-council. I don't know what to do becuase the longer I leave it the wetter my loft is getting, surely the beams will only take so much water before they can't take the weight of the roof?

[soapnumpty]

If you have Accidental Damage cover on your policy (usually you have to pay extra for this) then you should be able to claim for the resulting water damage internally. The roof wouldn't be covered for the reason given by your insurance company already. Give them another call and ask. Good luck!