How to get insurance to pay for roof replacement in Australia, you need to prove roof damage due to insured event like storm, hail, wind $20K to $50K, not wear and tear or age, with building insurance $1,200 to $1,800 per year for $500K building covering storm, hail, fire and vandalism, but not wear and tear, with roof replacement $10K to $30K for average house $500K, requiring evidence photos, reports and claim within 30 days. To get insurance to pay for roof replacement $10K to $30K, you need building insurance $1,200 to $1,800 per year for $500K building with $20M public liability, which covers roof damage due to insured events storm, hail, wind, fire, fallen trees and vandalism, but does not cover wear and tear, age, corrosion, poor maintenance and gradual deterioration. For example, storm with hail damages tiles $15K, you need to document damage with photos $0, get roof report from licensed roofer $200 to $500 stating storm damage not wear and tear, lodge claim within 30 days with insurer NRMA, Allianz, Budget Direct, with excess $500 to $1,000, insurer sends assessor $0 to inspect, if approved pays $15K minus excess $500 = $14,500 for roof replacement $15K. If roof old 20+ years with wear and tear $10K, insurer may deny claim as maintenance issue, only pay for storm portion $5K. To improve approval, maintain roof with annual inspection $200, keep receipts for repairs $500, get independent report $200 to $500 proving storm cause, and claim promptly within 30 days with photos before and after storm. So to get insurance to pay for roof replacement $10K to $30K, prove damage due to insured event storm, hail, wind with photos, roofer report $200 to $500 and claim within 30 days with building insurance $1,200 to $1,800 per year, with excess $500 to $1,000, as wear and tear and age not covered, only insured events $20K to $50K damage covered.
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