Can bad insulation void my home insurance, and who carries the risk?

Yes. We carry public liability insurance and WorkCover for our installers, so the risk of someone getting hurt or something getting damaged on the job sits with us, not with you. That matters more than people realise: insulation work means climbing through a hot roof cavity, stepping between ceiling joists and working close to live wiring, and it's one of the genuinely dangerous parts of this trade; four young installers died doing it during the 2009-10 pink-batts scheme. If a fly-by-night crew without cover has an accident on your roof, you can end up dragged into it. With us, you book the job, we turn up insured, and the worry about who pays if something goes wrong is ours. Ask any insulator to show you their certificate of currency, a real business will have one ready.

It can. The risk isn't the insulation sitting in your roof; it's a non-compliant install. Pack insulation hard against a hot downlight, a transformer or a flue with no clearance, or disturb wiring it shouldn't touch, and you've created a fire risk that didn't need to exist. If a fire ever started there and an assessor found the work wasn't done to code, your insurer can argue the loss was preventable. That's not scaremongering; it's exactly why insulation packed onto hot fittings caused 94 house fires during the pink-batts scheme. The fix is simple: keep the required clearance around every downlight, fan and flue, and don't let anyone fiddle with your wiring as a roof shortcut. It's part of our system to shroud those fittings to the clearance the codes require, and to photograph those exact spots so it's on record the job was done right.

Two different things. Public liability covers damage or injury to you, your property or a third party caused by our work. If a boot goes through the gyprock or something's knocked off the bench, that's what it's there for. WorkCover covers our installers if one of them is hurt on the job, so an injured worker is the insurer's problem and our problem, never yours. The reason this matters is that without cover, a homeowner can find themselves exposed when an uninsured contractor has an accident on their property. We're an established Queensland family manufacturer, not a ute-and-ladder crew, so the cover is genuinely in place. One honest note from our terms: you keep your own home and contents insurance, and you shouldn't let anyone, us included, use your ladder or your gear, because that muddies who's liable.

Most of the work we do is in a roof you'll never climb up to inspect, so if you can't see it, you can't prove it was done right, and that's a problem if you ever need to make a claim. That's why every job is photographed to the same system, including the clearances around downlights, fans and flues, and the photos are checked before you're invoiced. The job is done by a Comfort Zone franchise owner-operator trained to one standard and held to a quality standard. If an insurer or an electrician ever asks whether the insulation was kept clear of the hot fittings, you've got a dated set of photos showing it was. Compare that to a cheap crew who leave no proof: if their work caused a problem, you'd have nothing to show your insurer except a hole in the ceiling. The photos aren't a sales gimmick, they're the record that the part of the job you can't see was done to code.