Aberdeen's property damage profile is shaped by its granite architecture, its exposure to North Sea weather, and its oil and gas industry heritage. The Victorian granite properties create specific repair challenges, and the North Sea exposure creates storm and salt spray risks.

Aberdeen's granite properties in the West End, Rosemount, and city centre create specific repair challenges. Granite is porous and can absorb water, leading to damp and frost damage. The North Sea exposure creates severe storm, salt spray, and high rainfall risks.

Common damage scenarios in Aberdeen

Storm damage to granite property, West End

High winds caused damage to the chimney stacks and roof slates of a West End granite property. The insurer applied a wear-and-tear deduction despite the property having been recently inspected.

Frost damage to granite pointing, Rosemount

A Rosemount granite property suffered frost damage to the pointing between the granite blocks. The insurer disputed whether the damage was an insured event or gradual deterioration.

Property types in Aberdeen

Victorian granite properties in the West End and Rosemount
Granite tenement buildings in the city centre
Modern developments near the harbour
Oil and gas industry commercial properties

Local risk factors

North Sea exposure creates severe storm and salt spray damage risks. Granite construction creates specific damp and frost damage risks. Tenement shared structures create liability disputes.

Frequently asked questions — Aberdeen

My granite property has frost damage to the pointing — is this covered?

Frost damage to pointing can be covered as storm damage if the frost was caused by exceptional weather conditions. However, if the pointing was already deteriorating, the insurer may argue the damage was due to gradual deterioration. A building surveyor can assess the cause.

My insurer applied a wear-and-tear deduction to my storm-damaged roof — is this fair?

Wear-and-tear deductions must be evidence-based. If the roof was in reasonable condition before the storm, the insurer cannot arbitrarily apply a large deduction.

Also serving nearby areas

Edinburgh Dundee Glasgow Newcastle

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Granite city, North Sea exposure, and a distinctive storm and water damage profile.Understanding liability matters.

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