Don’t have your Nedbank ID yet?
Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking.
Log in
Log in to Online Banking or another one of our secured services.
Get in touch
Find us
- Login & Register
- Online Banking
- Online Share Trading
- NetBank Business
- NedFleet
- Nedbank Greenbacks
- Nedgroup Investments
- Nedbank ID
- Bank
- Accounts
- Credit cards
- Digital banking
- Switch to Nedbank
- Fraud awareness
- Forex
- Greenbacks
- Explore Bank
- Accounts
- Everyday banking
- Kids accounts
- Youth banking
- Seniors accounts
- Private Clients
- Private Wealth
- Digital wallet
- See all accounts
- Premium banking
- Get help choosing
- Goal saving
- Family Banking
- Refugees and asylum seekers
- FAQ
- How-to guides
- Discontinued accounts
- Everyday banking
- MiGoals Premium
- MiGoals Plus
- MiGoals
- Kids accounts
- MiGoals4Kids
- Youth banking
- MiGoals Premium
- MiGoals
- MiGoals Plus
- Seniors accounts
- MiGoals Premium Senior
- MiGoals Plus
- Private Clients
- Pay-as-you-use
- Young Professionals
- Private Bundle and Private One
- Private Wealth
- Private Wealth Bundle
- Digital wallet
- MobiMoney
- American Express
- Amex Gold
- Amex Platinum
- Digital banking
- Switch to Nedbank
- Fraud awareness
- Forex
- Greenbacks
- Exclusive discounts
- FAQ
- How-to guides
- Save & Invest
- Accounts
- Investment services
- Share trading
- Explore Save & Invest
- In 24 hours
- JustInvest
- PlatinumInvest
- Tax-free Savings
- MoneyTrader
- EasyAccess Fixed Deposit
- PrimeSelect
- In 32 days
- Electronic 32Day Notice
- 32Day Notice
- End of term
- Tax-free Fixed Deposit
- Electronic Fixed Deposit
- Electronic Optimum Plus
- Platinum Fixed Deposit
- Fixed Deposit
- OptimumPlus
- Investment services
- Share trading
- Borrow
- Personal loans
- Home loans
- Student loans
- Overdrafts
- Vehicle finance
- Solar finance
- Debt assistance
- Explore Borrow
- Personal loans
- Loan consolidation
- Secondhand car loan
- Home improvement loan
- Exclusive short-term loan offers
- Explore loans
- FAQ
- How to guides
- Loan consolidation
- Secondhand car loan
- Home improvement loan
- Exclusive short-term loan offers
- Home loans
- Building loan
- Switching home loan
- Repossessed properties
- Start your home buying journey
- Solar-energy Finance
- Earn R32,000 p/m or less? See offer
- HomeVision extra funds
- Home-buying Toolkit
- Managing your home loan
- Explore home loans
- FAQ
- How to guides
- Track application
- Building loan
- Switching home loan
- Repossessed properties
- Start your home buying journey
- Solar-energy Finance
- Earn R32,000 p/m or less? See offer
- HomeVision extra funds
- Home-buying Toolkit
- Managing your home loan
- Student loans
- Explore student loans
- Overdrafts
- Vehicle finance
- Solar finance
- Debt assistance
- Consolidate all your debts into a simple loan | Nedbank
- Short-term payment relief | Nedbank
- Take charge and restructure your finances | Nedbank
- Assisted-sales solutions for homes and vehicles | Nedbank
- Flexible payment plans for loans and credit | Nedbank
- Understanding how repo rate works | Nedbank
- Consolidate all your debts into a simple loan | Nedbank
- Short-term payment relief | Nedbank
- Take charge and restructure your finances | Nedbank
- Assisted-sales solutions for homes and vehicles | Nedbank
- Flexible payment plans for loans and credit | Nedbank
- Understanding how repo rate works | Nedbank
- Insure
- Life cover
- Funeral cover
- Short term insurance
- Credit Life
- Travel insurance
- Business cover
- Secure investments
- Explore Insure
- Life cover
- Get a call back
- Explore MyCover life
- Funeral cover
- Individual R10,000
- Individual R30,000
- Family Cover
- Build your own cover
- Get a call back
- Explore MyCover Funeral
- Individual R10,000
- Individual R30,000
- Family Cover
- Build your own cover
- Short term insurance
- Vehicle insurance
- Building insurance
- House contents insurance
- Valuables insurance
- Valuables insurance
- Get a call back
- Explore MyCover short term insurance
- Vehicle insurance
- Building insurance
- House contents insurance
- Valuables insurance
- Valuables insurance
- Credit Life
- Home loan credit life
- MFC Vehicle Finance Assurance
- Overdraft Assurance
- Balance Protection Plan
- Personal loan Assurance
- Get a call back
- Explore credit life
- Home loan credit life
- MFC Vehicle Finance Assurance
- Overdraft Assurance
- Balance Protection Plan
- Personal loan Assurance
- Travel insurance
- Business cover
- Secure investments
- Guaranteed Growth Income Plan
- Guaranteed Growth Plan
- Get a call back
- Explore MyCover Funeral
- Guaranteed Growth Income Plan
- Guaranteed Growth Plan
- Plan
- Financial planning
- Estate, wills & trust services
- Nedbank Private Wealth
- Speak to a financial adviser
- Explore Plan
- Financial planning
- Investment planning
- Insurance planning
- Give
- Retirement planning
- Investment planning
- Insurance planning
- Give
- Retirement planning
- Estate, wills & trust services
- Will drafting
- Ensure your estate is managed by an executor | Nedbank
- Trust services
- Financial accounting
- Tax services
- Leave the admin of your estate to us, and not to your loved ones | Nedbank
- Will drafting
- Ensure your estate is managed by an executor | Nedbank
- Trust services
- Financial accounting
- Tax services
- Leave the admin of your estate to us, and not to your loved ones | Nedbank
- Nedbank Private Wealth
- Speak to a financial adviser
- Learn
- Blog
- Explore Learn
- Blog
- Contact us
- Talk to us
- Find us
- Explore Contact us
- Talk to us
- Find us
Maintain your roof to ensure building insurance cover
Avoid rejected claims by complying with maintenance conditions.
Homeowner’s insurance policies are sometimes difficult to follow and even more difficult to remember. For most people, these policies only feature in their lives when something goes wrong and they submit a claim. When insurance claims are rejected because of exclusions, or because the homeowner hasn’t complied with the policy terms and conditions, misunderstandings can arise.
Insuring the buildings on your property against damage is crucial, but you also need to understand what you must do to meet the terms and conditions on your homeowners insurance policy.
Maintaining your roof properly is a common condition of homeowner’s policies. You need to take care of this, so you will have a valid claim if your home is damaged by an insured event.
The ultimate roof maintenance checklist
Here’s everything you need to know about maintaining your roof to prevent rejected claims in 1 handy checklist:
1. Inspect your roof regularly
You should inspect your roof at least twice a year, especially after severe weather events, to head off potential issues early enough.
2. Clear debris
Keep your roof clear of leaves, branches or other debris that can cause water to pool and damage your roof structures.
3. Check flashings
Check and maintain your roof flashings (those thin pieces of waterproof material, such as aluminium, that seal joints in areas of your roof where water might leak in), to prevent interior mould and rot. Membrane flashings deteriorate, and galvanised flashings come loose – so check them regularly and replace them where necessary.
4. Keep gutters clear and in good repair
Keeping gutters clear, without holes or sagging, prevents water backup and roof leaks. This is especially important in autumn, to ensure the weight of collected leaves doesn’t loosen the gutters.
5. Check the ventilation between roof and ceiling
Proper airflow in your roof prevents the buildup of dampness and prolongs the lifespan of the roof.
6. Remove overhanging branches
This is a problem that affects suburban South African houses often. Overhanging trees can cause roof and gutter blockages and damage. Trim your trees to prevent this.
You can save by having your building insurance bundled with other forms of short-term insurance
7. Take immediate action
Repair any leaks or water damage you detect immediately, or they will get worse.
8. Keep maintenance records
An accessible record of your roof repairs will be of major help when you file an insurance claim. Keep records of inspections, repairs and so on.
9. Hire professionals
Use licensed, reputable roofing companies for all your maintenance to ensure quality upkeep.
10. Review your policy
Rejected insurance claims are often caused by policyholders not being aware of policy changes over the years. Keep a current copy of your policy wording and be aware of any policy changes.
11. Check that your plastic roof underlay is still intact
The plastic underlay ensures that minor leaks in tiles or corrugated iron roofs don’t pool on the ceiling, causing damage. Instead, the plastic channels any leaked water down to the gutters. Climb into the ceiling once or twice a year to check for any tears or holes in the underlay.
12. Check the direction of your gutter spouts
Check that the spouts at the bottom of gutter downpipes point away from your walls to prevent dampness.
Specialised roofing maintenance tips
Apart from these general checklist items, you should also follow these tips according to your roof type:
Metal roofs
- Replace and seal loose or missing roof screws and washers as often as necessary.
- Reseal joints and overlaps between the sheets.
- Replace all rusted roof sheets.
- Repaint it regularly.
Tiled or slate roofs
- Replace cracked or missing tiles and secure loose ones.
- Secure ridge tiles and replace cracked or missing ridge cement.
Thatched roofs
- Remember that thatch has a lifespan of 10 to 20 years, depending on weather conditions.
- Have it combed every 2 years.
- Cover it with a fire protection liquid.
- Install a lightning conductor.
Did you know that you can save by having your building insurance bundled with other forms of short-term insurance for your house contents, valuables and vehicles if you choose Nedbank MyCover Insurance?
