Roof work description

To be eligible for the roof upgrade/replacement cyclone mitigation benefit, your property must have a roof upgrade or replacement with structural tie-downs (which can include an over-batten roof system).

What is a roof replacement?

It is a complete replacement of the old roof with a new one that is certified to meet current building standards.

What is a roof upgrade?

A roof upgrade is completed to improve the resilience of the roof and is more comprehensive than routine maintenance to the roof. Examples of roof upgrades include:
  • Replacing deteriorated or split battens
  • Replacing nails with screws or straps in batten-to-rafter/ truss connections under sheet metal roofs
  • Replacing skew nails with straps or bolts in rafter/truss-to-wall connections
  • Installation of structural tie-down to the roof, which can include an over-batten roof system (see below)

 A structural tie-down

Is a type of fastener or connector that helps to secure the roof to the underlying structure of a building.

There are various types of structural tie-downs including:

  • Batten and collar tie connections to the rafters
  • Rafters or trusses to the top plate of the wall framing

An over-batten roof system

Is a reinforcement system that connects a beam on the top of the roof to the foundations, making the roof more secure.

Cyclone-Reinsurance Rafter to wall

Rafter to wall

 Cyclone-Reinsurance Batten to rafter 

Batten to rafter

Cyclone-Reinsurance Over-batten system

Over-batten system

Things to note

Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by its agent, RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO). Conditions, limits and exclusions apply. RDS and RACQO are in the RACQ group of companies. One of the companies in the RACQ group of companies has a minority shareholding in RACQI.

RDS and RACQO have not taken your personal objectives, circumstances or needs into account when preparing advice regarding insurance products and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website. RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.