Specialists in Insurance & Risk for Roofers
Making sure the cover you have meets your needs as a roofing contractor.
Builtin Benefits
Construction Sector Expertise
All our customers are in the construction sector, so our understanding of the risks you face and the cover you need is second to none
Responsive Service
We know you’re busy and need things sorted quickly, so that’s what we aim to do
Making Your Life Easier
We aim to make the process of arranging, amending, renewing and claiming as painless as possible
A Relationship for the Long Term
As trusted risk advisers our role is to ensure our clients have the best possible cover with the best possible service. That’s been the focus of our business for more than 20 years and it’s why customers choose us year after year
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Examples of Cover You May Require
Liability
Including cover for defective workmanship, damage to other people’s property, employment disputes and the legal costs associated with a WorkSafe prosecution.
Tools & Equipment
Protecting your tools from damage and theft.
Commercial Vehicles
Cover for accidental damage, liability to others and theft.
Bonds & Guarantees
Including retention, advance payment & performance bonds.
Contract Works Insurance
On an annual or project by project basis, whether arranged by you or your customer.
Material Damage
This can include office contents & equipment, as well as buildings and other physical assets.
We’ve Been Insuring Construction Businesses for Over 20 Years
Builtin is New Zealand’s leading specialist provider of insurance & risk management services to the construction industry. Our customers appreciate the benefits of being with a family-owned and run operation that speaks their language, deeply understands their business and provides the tailored cover they need quickly and cost effectively.
We continue to innovate to protect construction firms from the risks they face, through both our “do it yourself” online portal and fully managed insurance broking and “virtual risk manager” service.
Speak to an Adviser Today:
0800 284 584
Claim Examples
Accidental damage
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.
Physical injury
Unsurprisingly, falls are a leading cause of injury in the roofing profession. In Christchurch, a roofer slipped and fell off a ladder, breaking his leg.
While ACC covers the lost income, it doesn’t full cover it. Plus, there is the risk of a WorkSafe prosecution, fines, legal bills and reparations.
Water damage
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.
Fire damage
Roofers working with materials such as hot tar or using welding equipment are at risk of causing accidental fires. For example, in Palmerston North a roofer using a blowtorch accidentally ignited the insulation in ceiling cavity. The resulting fire caused extensive damage to the property, leading to an expensive liability claim. Fire damage claims may also include the costs of fire department services and potential relocation expenses for the occupants. For more on this check out: The Dangers of Hot Work and How to Avoid Causing Damage.
Client Testimonials
Everyone at Builtin is really great, they all know their areas of expertise, from admin to claims to advice, and are very professional and personable.
Tania Pearce
Pearce Builders Limited
I've had no reason to look anywhere else, if there's a problem Builtin sort it out for me. As a small building company they're just what we need.
Craig Hayes
Nailedit Building Homes & Alterations Limited
The claim process when my digger bucket and drill were stolen was straightforward and the service I received from Builtin and the assessor was absolutely excellent.
Dan Richards
D.R Build Limited
Liam Edwards
Edwards & Co