Re-Roofing & Insurance Made Simple: Aquashield’s Guide to Staying Covered

Re-roofing is a big investment — and while most homeowners think about materials, colour, and cost, there’s one step that’s often missed: notifying your insurer.

It might sound minor, but it’s actually a key part of protecting your policy and making sure your home stays fully covered while the work’s underway.

🧱 Why You Should Let Your Insurer Know

When you re-roof, you’re temporarily removing your home’s first line of defence against the weather.
That increases the short-term risk to your property — and that’s exactly the kind of thing your insurer needs to know about.

By giving them a quick heads-up:

✅ You stay transparent and avoid accidentally breaching your policy.
✅ You can confirm if short-term Contract Works Insurance is needed during the job.
✅ You ensure your home is still covered if something unexpected happens (like a sudden storm mid-install).

Failing to notify your insurer could complicate future claims — even if the damage isn’t directly related to the re-roofing work.

⚙️ How Insurance Typically Works During a Re-roof

There are three main layers of protection at play when your roof is being replaced:

🏠 1. Your Home Insurance

Your standard home policy covers the house as it stands — but some policies are limited during major construction unless you notify them first.
A quick call to your insurer avoids any grey areas.

🧰 2. The Roofer’s Public Liability Insurance

This protects you if something goes wrong during the job — like accidental damage to your property or a neighbour’s.
At Aquashield Roofing, we’re fully covered and always happy to share proof of our current public liability policy before work begins.

🧾 3. Contract Works Insurance (Recommended)

This is short-term cover designed specifically for construction projects.
It bridges the gap between your policy and the roofer’s, protecting against damage caused by weather or accidents while work is in progress.

Example:
If a storm hits halfway through your re-roof and water gets into your ceiling, neither your standard policy nor the roofer’s liability may apply unless contract works cover was arranged.

🧰 What To Do Before Your Re-roof Starts

Here’s your action plan to stay fully protected:

1️⃣ Contact Your Insurance Provider
Tell them what’s happening, who’s doing the work, and when. Ask if extra cover is needed.

2️⃣ Ask for Proof of Insurance
Your roofer should hold valid public liability insurance and be a Licensed Building Practitioner (LBP).
Aquashield Roofing ticks both boxes.

3️⃣ Consider Contract Works Cover
If your home’s high-value or the roof is complex, ask your insurer or broker about short-term cover.

4️⃣ Keep Documentation
Save all communication, quotes, and certificates — they make future claims faster and easier.

🧠 Aquashield Roofing’s Commitment to Your Protection

At Aquashield Roofing, we make sure your re-roof is handled safely, professionally, and fully above board.

Every job we do:

• ✅ Is supervised by a Licensed Building Practitioner
• ✅ Is backed by public liability and workmanship insurance
• ✅ Follows Site Safe NZ health & safety standards
• ✅ Includes clear documentation for your insurer

Our goal is simple: no surprises — just a watertight roof and total peace of mind.

💬 Ready to Re-roof Safely and Confidently?

If you’re planning to replace your roof, we’ll handle everything — including the documentation your insurer might need.

👉 Book your free re-roof quote
👉 Ask about our insurance-ready process

Aquashield Roofing — licensed, insured, and trusted by homeowners and insurers across Horowhenua and Kāpiti. what you need to know before your old roof comes off.