🏡 Do I Need to Tell My Insurance Company I'm Re-roofing?

Here’s What You Need to Know to Stay Protected

🛡️ Why You Should Notify Your Insurer

Re-roofing involves removing the first layer of protection your home has against the elements. This temporarily increases your property's risk profile—which is exactly the kind of thing insurers need to know about.

By letting your insurer know:

✅ You maintain transparency and avoid invalidating your policy.
✅ You can confirm whether any additional cover (like contract works insurance) is needed during the project.
✅ You ensure any damage that may occur during the job (weather-related or accidental) is still covered.

Failing to notify your insurer could jeopardize a future claim, even if the event wasn’t related to the roofing itself.

🔄 How Insurance Typically Works During Re-roofing

There are usually three layers of protection involved:

Your Home Insurance: Covers your house as it stands, but may be limited or voided during significant construction works like roofing unless you notify them in advance.
The Roofer’s Public Liability Insurance: Protects you if the roofing company causes damage to your home (e.g. drops materials, punctures a pipe, etc). Always ask to see a valid certificate of public liability insurance before works begin.
Contract Works Insurance (Recommended): Short-term cover for your home while construction is in progress, bridging the gap between your insurer and the roofer’s.
Example: If a storm hits while your roof is mid-install and water damages your ceiling—neither your policy nor the roofer’s liability may cover it unless you’ve arranged contract works insurance.

📝 Your Action Plan Before Re-roofing

Contact Your Insurance Provider: Tell them the scope of the work, timeline, and who’s doing it. Ask whether you need additional cover.
Ask Your Roofer for Proof of Insurance: They should have current public liability insurance, and ideally be a Licensed Building Practitioner (LBP).
Consider Contract Works Cover: Especially for higher-value homes or complex jobs—talk to your insurer or broker.
Document Everything: Keep records of all communications, quotes, and policies in case of future disputes.

🧠 RoofBuddy’s Commitment to Your Protection

At RoofBuddy, we make sure every contractor in our network:

Holds valid public liability insurance
Is either an LBP or directly supervised by one
Advises you on contract works coverage when necessary
Provides transparent documentation for your insurer

Our goal is simple: no surprises—just a watertight result.