Storm Damage & Insurance

Can You Match My Tiles? Part-Repairs, Reclaimed Tiles and “Matching Sets”

Whether a repair disappears or shows depends on what is on your roof, how old it is and whether anyone still makes it. The honest options, and why matching is rarely an insurance question.

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HomeStorm Damage Roof RepairsCan You Match My Tiles? Part-Repairs, Reclaimed Tiles and “Matching Sets”
The short version
  • Concrete interlocking tiles from recent decades are usually straightforward to match
  • Older clay, handmade tiles and natural slate are harder, and some profiles are no longer made at all
  • The options are reclaimed, the closest current equivalent, or moving sound tiles from a slope nobody sees
  • Even a correct match looks new for a while, because the roof around it has weathered and the tile has not
  • “Pairs and sets” wordings vary enormously and many policies exclude them — never assume yours pays for matching

What Decides Whether a Tile Can Be Matched

Three things settle it: what the tile is made of, what shape it is, and whether anybody still makes that shape. Material and profile together are the tile’s identity, and a tile that looks similar from the pavement can be the wrong thickness, the wrong length or have an interlock that will not sit against its neighbour.

The easy end of the range is concrete. Interlocking concrete tiles went onto an enormous amount of housing in the second half of the last century and they were made in a handful of very common patterns by a small number of manufacturers, most of which are either still in production or have a current equivalent that drops straight in. The roof in the photograph below sits at that end of the range: an ordinary interlocking profile of the kind that went onto street after street, which is exactly what makes replacing one tile in it undramatic.

The hard end is everything older. Hand-made clay, machine-made clay in a discontinued pattern, natural slate from a quarry that has closed, and concrete profiles that were dropped years ago because fashions changed. Some of those can be sourced with a bit of looking. Some genuinely cannot be bought new at any price, and a roofer who tells you otherwise on the doorstep has not checked.

Quantity matters as well. One or two tiles on a rear slope is a different proposition from a whole gable elevation, because a handful can be found or borrowed from somewhere on the building, while a large area needs a real supply. It is worth asking which of those you are in before anyone starts.

The gable end of a brick house seen from the ground, covered in brown concrete interlocking tiles, with a black verge trim run over the edge and a black gutter below it

Photograph of our own work.

Colour, and Why Nothing New Looks Old

Even a perfect match is a new tile on a weathered roof, and for a while it will say so. Concrete tiles are pigmented through a surface layer that fades and picks up lichen and dirt; the tile leaving the factory today is the colour yours was when it went on, which is not the colour it is now. Clay changes less but still darkens and gathers growth. Slate dulls rather than fades, and the shade varies by quarry in the first place.

Most concrete repairs close that gap noticeably as the new tiles weather through a wet winter or two, but it is fair to expect a visible difference in the meantime, and anyone promising otherwise is overselling. Where the repair sits decides how much that matters: a patch halfway up a front elevation facing the street is seen every day, and the same patch on a rear slope is not seen by anybody.

Roofs also carry more than one colour perfectly normally. Ridge and hip tiles are often a different shade from the tiles they sit on, and the trims and the guttering different again — the black verge trim and gutter against brown tiles in the photograph above are how that roof was built rather than a compromise. Worth remembering before assuming that any difference in shade is a fault.

The Three Honest Options

Reclaimed. Salvage yards hold clay, slate and older concrete by profile, and for a discontinued tile this is usually the first place to look. The catch is condition and supply. A reclaimed clay tile can be sound or can be close to the end of its useful life, reclaimed slate needs sorting for thickness and for holes punched in the wrong place, and what a yard holds this month is not what it held last. Everything worth using gets checked before it goes up.

The closest current equivalent. Where nothing reclaimed can be found, there is often a modern tile of the right size and pitch that is simply not identical to look at. On a rear elevation, an outbuilding or a low extension roof most people take that and think no more about it. On the front of a house it depends entirely on how different the two are, which is a conversation to have with the actual tiles in your hand rather than from a catalogue.

Robbing a slope nobody sees. The neatest answer for a visible repair, and the one that surprises homeowners. Sound original tiles are lifted from somewhere out of view — a rear slope, a garage, the side of a dormer — and used to make the visible repair, and the new or nearly-matching tiles go where they were taken from. The front of the house stays consistent and the mismatch ends up facing the garden. It costs more in labour than a straight swap, and on a bad match it is usually worth it.

There is a fourth trick worth knowing, which is scattering rather than blocking. A solid square of slightly different tiles reads as a patch from the far side of the road; the same tiles spread among the old ones over a wider area read as a roof that has been lived in. It is not always possible, but where it is, it is free.

Deciding between the three starts with identifying the tile — material, profile, size and, where it can be told, who made it — and then finding out what is actually available rather than what ought to be. You hear which of the options you are in, in writing, and how obvious the difference is likely to be, before anything is ordered or lifted. What a damaged tile needs, as distinct from what it can be matched with, is a separate question, and what is the best fix for storm-damaged tiles answers that one.

Slate, Clay and the Hand-Made Ones

Natural slate is its own subject. Sizes are traditionally imperial and there are a lot of them, thickness and texture vary by quarry, and Welsh, Spanish and Westmorland slates sitting side by side do not look alike. Worse, on an older slate roof the commonest failure is not the slate at all: the nails corrode and give up while the slate is still perfectly serviceable, which is why slates slide out in wind without a mark on them. That changes what a repair has to do, because replacing one slipped slate on a roof whose nails have gone is a holding job rather than a fix — which is the distinction can storm-damaged roofs be patched safely takes on, on our roof repairs section.

Clay splits into two. Plain clay tiles are still made widely and a sympathetic match is usually available, and hand-made tiles have enough variation between individual tiles that new ones blend in better than you would expect. Machine-made clay in a discontinued pattern is the awkward one, particularly the strongly shaped profiles — pantiles, double romans and the like — where the shape has to be right or the water does not run where it was designed to run. Those are matched exactly or not at all.

Interlocking tiles are similarly unforgiving, because the side lap is doing real work rather than decoration. Plain tiles and slates are laid in a double lap and are far more tolerant of a near-miss, which is one reason a plain tile roof can be patched over and over without ever looking patched.

A completed lead valley between two slated slopes, running up to lead flashing against a brick wall, the slates cut to the valley in mixed shades of grey

Photograph of our own work.

“Pairs and Sets” and What Insurance Does About Matching

This is the clause people have heard of and almost nobody has read. In principle, a matching items or pairs and sets provision deals with what happens when one part of a matching set is damaged and the rest is not: does the policy pay anything towards the undamaged parts so that the whole thing still matches afterwards?

In practice the wordings vary enormously. Some policies have no such provision at all. Some have one but exclude external surfaces, which takes the roof straight out of it. Some limit it to a single room or a single elevation, some cap it, and some apply it only where a match genuinely cannot be obtained. Because of that, nobody outside your insurer can tell you what yours does, and that includes us. Read the policy booklet and the schedule, and if the answer is not obvious, ask your insurer or your broker before you assume anything.

What can be said safely is this: the normal starting point for an insurer is to put right the damage rather than to improve the appearance of the undamaged part of a building, so nobody should proceed on the assumption that a roof will be re-covered to make it match. Plan the repair on the basis that it has to work and look reasonable on its own merits. If the matching question then turns out to be covered, that is a bonus rather than the plan.

Where a match honestly cannot be found, the useful thing is a record rather than an argument — what is on the roof, what was searched for, what is available and what the alternatives look like. That belongs in writing with photographs, dated, and the rest of what goes into one is on the storm damage page. Who does what with it afterwards is set out in loss adjuster, loss assessor, or your roofer.

One last practical thing, whoever ends up paying. If your tile is obsolete and a batch has been tracked down for the repair, keep a few spares somewhere dry. Finding the same profile twice is harder than finding it once.

Not sure what you are looking at? Describe it and we will tell you what it is likely to be — 07464 259566, WhatsApp, or Evensbuddy@yahoo.com. If water is coming in now, please call rather than email.
FAQs

Common Questions

Will I be able to see where the repair is?
Probably, at first, and then progressively less. A new tile has not weathered and the roof around it has, so even a correct match stands out until the surface picks up dirt and lichen. Concrete closes the gap fastest. What we can do is place the difference where it is least seen, and tell you honestly beforehand how obvious it is likely to be.
Can you use reclaimed tiles instead?
Often, and on a discontinued profile it is usually the first thing we look for. Reclaimed stock is checked before it goes anywhere near the roof, because a salvaged clay tile or slate can be sound or can be worn out, and slate in particular needs sorting for thickness and for old nail holes. Availability depends on what the yards happen to be holding at the time.
Nothing matches my tiles. Does the whole roof have to come off to make it match?
Not because of the match alone. An obsolete profile means the repair takes more thought — reclaimed stock, the closest current equivalent, or moving original tiles to the elevation that is seen — rather than that a sound roof has to be stripped. Whether a roof can be repaired at all rather than replaced is a different question, about its overall condition, and can storm damage be repaired without a new roof takes that one on.
Will my insurer pay to make the whole roof match?
We cannot tell you, and anybody who says they can has not read your policy either. Matching items and pairs and sets wordings differ enormously between insurers and a good many exclude external surfaces entirely. Your policy booklet and schedule are the place to look, and your insurer or broker can confirm it. Plan the repair on the basis that it stands on its own.
More Advice

The Rest of the Claim

The other guides in this set. What happens in the hours right after a storm is covered in detail on our roof repairs section, and linked throughout these pages rather than repeated.

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