How to Claim Roof Storm Damage on Insurance (NSW)
Storm damage is one of the few roof problems insurance often covers. Getting the claim right comes down to evidence and acting quickly.
Get a Free Roof QuoteWhat's usually covered vs not
Sudden, one-off events — storms, hail, fallen branches — are typically covered. Gradual wear and tear, rust, and lack of maintenance are usually not. Insurers look closely at whether the damage was sudden or long-developing, so the distinction matters.
Build your evidence
- Photograph the damage inside and out, and anything the storm brought down.
- Note the date and keep any weather warnings/news for that day.
- Get a roofer's written report describing the damage and cause — this is often the single most useful document in a claim.
Act fast — but make it safe
Most policies require you to prevent further damage. A temporary make-safe (tarping) is expected and usually claimable — keep the receipt. Don't authorise full permanent repairs before checking how your insurer wants the claim handled, unless it's an emergency.
Frequently asked questions
Do I need quotes for an insurance claim?
Usually yes — a written quote and a damage report from a roofer support your claim and help the assessor.
Can I choose my own roofer?
Often yes, though some insurers use preferred repairers. You can generally get your own quote and report either way.
What if my claim is for wear and tear?
Wear-and-tear damage is generally not covered — but a roofer can still quote the repair so you can plan it.