Key Takeaways
- Document damage immediately with photos before making any repairs
- Report damage to your insurer within 24-48 hours for best results
- Insurance covers sudden damage (storms, trees) but not wear and tear
- A professional roof report significantly strengthens your claim
- Keep all receipts for emergency temporary repairs—they're often reimbursable
When a storm damages your roof, the last thing you want is insurance claim headaches. But understanding the process before disaster strikes can make a significant difference to your claim's success.
This guide covers everything Sydney homeowners need to know about claiming roof damage on insurance—from documenting damage correctly to understanding what's covered and how a professional roof report can strengthen your claim.
The 6-Step Insurance Claim Process
- Document Immediately — Take photos and videos of all damage before making any repairs. Note the date, time, and weather conditions.
- Make Emergency Repairs — Do only what's necessary to prevent further damage (tarps, temporary fixes). Keep all receipts.
- Contact Your Insurer — Report the damage within 24-48 hours. Provide your photos and description of the damage.
- Get a Professional Report — Have a licensed roofer provide a detailed condition report and repair quote.
- Submit Your Claim — Provide all documentation to your insurer including the roof report and quotes.
- Await Assessment — Your insurer may send an assessor. Once approved, you can proceed with repairs.
What Does Insurance Cover?
Typically Covered
- Storm damage (wind, hail, fallen trees)
- Fire damage
- Falling objects (branches, debris)
- Vandalism and malicious damage
- Impact from vehicles or aircraft
- Lightning strikes
Typically NOT Covered
- Gradual wear and deterioration
- Lack of maintenance
- Pre-existing damage
- Damage from tree roots
- Rust (unless from covered event)
- Cosmetic issues not affecting function
The key distinction is sudden damage vs. gradual deterioration. If a storm blows tiles off your roof, that's typically covered. If tiles are cracked from years of sun exposure, that's wear and tear—not covered.
Why a Professional Roof Report Matters
Benefits of Professional Documentation
A detailed roof condition report from a licensed contractor significantly strengthens your insurance claim:
- Provides independent, professional documentation of damage
- Clearly identifies the cause (storm vs. pre-existing issues)
- Includes detailed photos with expert annotations
- Outlines all required repairs with accurate costings
- Carries weight with insurance assessors
- Can help overturn initially rejected claims
Our $299 roof condition reports are accepted by all major insurers and have helped many Sydney homeowners secure claim approvals.
Tips for a Successful Claim
- Act quickly — Document damage and contact your insurer within 24-48 hours. Delays raise questions about when damage occurred.
- Keep everything — Save all photos, videos, receipts, and correspondence. Create a dedicated folder for claim documentation.
- Know your policy — Review your policy before claiming. Understand your excess, coverage limits, and what's specifically included.
- Be specific about the cause — "Storm on [date]" is better than "weather damage." Reference specific events that caused damage.
- Get professional documentation — A roof report from a licensed contractor carries far more weight than DIY photos.
- Don't exaggerate — Stick to facts. Exaggerated claims get rejected and can void your entire policy.
Frequently Asked Questions
What roof damage does insurance cover?
Most home insurance covers sudden, unexpected damage from events like storms (wind, hail), fallen trees, fire, lightning, and vandalism. It does NOT cover gradual deterioration, lack of maintenance, or pre-existing problems.
How do I document roof damage for insurance?
Document damage immediately with clear photos and videos from multiple angles. Capture the overall roof, close-ups of damage, and any interior water damage. Note the date, time, and what caused the damage.
Should I make temporary repairs before claiming?
Yes, make temporary repairs to prevent further damage—this is actually your responsibility under most policies. Keep all receipts as emergency repairs are usually reimbursable. But don't make permanent repairs until your insurer approves the claim.
How quickly should I report roof damage?
Report damage to your insurer within 24-48 hours if possible. Most policies require 'prompt' notification. Delayed reporting can give insurers reason to question whether the damage was from the claimed event.
Do I need a roof report for insurance claims?
A professional roof condition report significantly strengthens your claim. It provides independent documentation of damage, identifies the cause, and outlines required repairs with accurate costings. Insurance assessors take professional reports seriously.
What if my insurance claim is rejected?
If your claim is rejected: request a detailed written explanation, review your policy, consider getting additional professional opinions, lodge a formal dispute with your insurer, and if needed, contact the Australian Financial Complaints Authority (AFCA).
Don't Let Roof Damage Claims Overwhelm You
Insurance claims for roof damage don't have to be stressful. By documenting damage immediately, reporting promptly, and getting professional documentation, you give your claim the best chance of success.
At RoofingCorp, we've helped countless Sydney homeowners navigate the insurance claim process. Our roof condition reports are designed specifically for insurance purposes and are accepted by all major insurers.
Storm damage your roof? Get a professional roof report or contact us for urgent assessment and professional documentation to support your claim.
RoofingCorp
Verified ExpertExpert Roofing Team
Our expert roofing team has over 30 years of experience providing professional roofing services across Sydney. With extensive knowledge of all roofing systems and local building regulations, we're committed to delivering quality, compliant, and long-lasting roofing solutions.
