On the Gold Coast, or anywhere around the world for that matter, it’s common for extreme weather such as hail or excessive rain to cause damage to your roof.  At these times acting quickly when you see signs of damage to your roof can be the difference between being covered by your home insurance or not.

How to Get a New Roof Covered by Insurance? Firstly, know your home insurance policy, make sure that you are covered. Look for damage to your roof soon after a storm, photograph and document any damage that has occurred. Contact your insurance provider as soon as possible. Find a reputable roofing contractor with insurance expertise.

Read on for more details and tips on making sure you’re covered by your insurance… and your roof.

  1.  Check the details of your home insurance – Prepare for the worst and hope for the best as they say. When you are in the process of acquiring home insurance take the time to look at the details of your insurance to ensure that you will be covered for any damage to your roof. Sometimes new homeowners make the mistake of assuming that they only need limited cover on  their home insurance because everything is new and should last for a long time before requiring repairs. The problem with this is that there are so many external factors that can affect your home or your roof, storms, floods or fire for example. As obvious as this step seems, it is the most important factor.
  2. When the weather has cleared check your roof  – It is important to spot any damage as soon as it has occurred. Some insurance companies will try to dodge a claim if they can prove that the damage is older than a certain amount of time (usually specified in your insurance details).
  3. Take photos of the damage and document what has occurred – If there is potential for further damage, such as water damage to the contents of your home, take what action you can to prevent that damage without making repairs that could compromise your claim; for example, any type of repair that should be made by a licenced roofing contractor.
  4. Contact your insurance provider as soon as possible – The sooner you get in touch with your insurance provider, the sooner you are likely to have your roof repaired or replaced. In severe situations, where you are unable to occupy your home because of the extent of the damage you may be eligible to receive compensation for alternative accommodation until the repairs have been made. Providing all of the evidence up front, early on limits the chances of the insurance company coming back with some or other reason for not being able to cover your claim.
  5. Choose a quality roofing contractor – Find a company that will replace or repair your roof to a high standard and has a good reputation. Getting a quote for your roof should not be difficult. We don’t charge you to come out and take a look at your roof and we prioritise emergency repairs that could potentially cause further damage to your home. Our contact form below allows you to easily prioritise your roofing emergency if need be.
  6. Give feedback and review – When its all done, claims settled and you’re comfortably back in your home with a quality roof over your head it may not sound like an important step, but your review can help others who may encounter the same situation. Giving your insurance and roofing contractor a review will help others to make the best choices. It could be the difference between them getting their claim settled quickly and getting their roof repaired or replaced to a high standard, or not.