Specialists in Insurance & Risk for Roofers

Property damage is one of the most frequent claims. For instance, while repairing a roof in Auckland, a roofer accidentally dropped a heavy tool, shattering a client’s skylight.

In another case, during a roof replacement in Wellington, a ladder fell and dented a homeowner’s car parked in the driveway. Such incidents can result in significant repair costs.

Liability insurance covers these damages, ensuring that the roofing company doesn’t have to bear the full financial burden.

Improper installation can lead to water leaks, causing significant damage. In a Dunedin project, a roofer failed to properly seal a section of the roof, leading to leaks during a heavy rainstorm. The water damage extended to the ceiling, walls, and floors, requiring extensive repairs.

In another case in Tauranga, an incorrectly installed gutter caused water to overflow, damaging the home’s foundation. These claims can be substantial, as they often involve structural repairs and mould remediation.

It is important to note that public liability insurance in New Zealand broadly excludes claims arising from external water penetration from events such as the examples above. For more on this check out: Be Aware of the Building Defects Exclusion.