15/06/2026
LETS TALK INSURANCE CLAIMS
In South Africa, insurance companies generally exclude roof damage caused by lack of maintenance, gradual wear and tear, or poor workmanship.
✅️Coverage applies to sudden, unexpected incidents like storms or fire, not deterioration over time.
❌️Exclusions usually include leaking, rust, and damage from pests.
Commonly Excluded Roof Damage:
Wear and Tear: Gradual deterioration due to age, environment, or rust.
Maintenance Neglect:
Damage from blocked gutters, failed waterproofing, or neglected leaks.
Structural Defects:
Faulty design or non-compliant materials not adhering to building codes.
Gradual Leaks: Water damage that occurs over a long period rather than from a specific, sudden storm.
Pest Infestations: Damage caused by insects or termites.
Root Damage: Damage caused by tree roots.
Riot/Looting Damage: This requires specialist SASRIA cover rather than standard building
(Please consult with your specific broker or policy wording)
