FAQ · Insurance & who carries the risk
Home insurance and bad insulation: the job’s risk is ours. Yours is the install.
Yes. We carry public liability insurance, so the risk on the job sits with us, not you. The catch is on your own side: a non-compliant install around downlights or wiring can be a problem with your home insurance.
It’s a fair question, and most people only think to ask it after something’s gone wrong on someone else’s roof. Here’s the straight version: what our cover means for you, what could put your own insurance at risk, and how a properly photographed job keeps you covered on both counts.
Real reviews, real jobs
What our customers say
Genuine Google & hipages reviews from Comfort Zone customers across SE Queensland.
- J
Jessa B.
Brisbane
“It dropped about 4 degrees straight away, and we added another 3 with the second job. I appreciate Peter's honesty, and the team showed pictures before and after.”
- Ahipages
Angela M.
SE Queensland
“The fact that I can't even tell it's 6 degrees outside when I wake up in the morning speaks for itself. Have wasted so much money attempting to heat and cool an uninsulated home. Worth every $.”
- I
Iain V-B.
Brisbane
“Quick and polite service. Great follow-up advice and photos sent for our records. Above and beyond what we expected. Would highly recommend.”
- Ghipages
Gerry S
Fitzgibbon, 2023
“I used Comfort Zone and they have a done an excellent job.”
- Jhipages
Jung K
Riverhills, 2023
“An experienced family operation. Highly recommend. Thank you for the great job!”
- Dhipages
David H
Sunshine Coast, 2021
“Completed the job as quoted and to a high standard. Great personal service. Would highly recommend Comfort Zone for ceiling installation work.”
- Bhipages
Benjamin H
Carseldine, 2019
“Very good explanation about their works. Advice of existing problems with the roof. Clean work. Very professional.”
- Ihipages
Ian G
Burnside, 2019
“Good information, communication and professionalism.”
- Dhipages
Danny D
Boondall, 2018
“He explained everything he was going to do and the different types of insulation they used. He talked through the different options but made a recommendation for the one most people use, which is the one I chose. He was very understanding towards what I needed and not about himself.”
- Ghipages
Graham R
Riverhills, 2018
“Comfort Zone. Turned up ahead of time, completed in about 2 hours, cleaned up. All good. Very motivated installation team.”
- Ahipages
Alex B
West Ipswich, 2018
“Fast, friendly, efficient.”
- Lhipages
Luke D
Mcdowall, 2017
“Peter did a good job. It was a quick and clean service. I'm happy to recommend!”
- Bhipages
Brendon
Brays Creek, 2016
“Peter supplied and installed roof insulation for me. He was very informative and provided good advice.”
- Thipages
Trevor G
Brookside Centre, 2016
“Excellent tradesmen from Comfort Zone Insulation. They were punctual and cleaned up after. Highly recommended.”
- Jhipages
John G
Beaudesert, 2019
“Peter is an honest person who provided me with the information I wanted then performed a good job with great results for the benefit of myself and my family.”
- Phipages
P Peter
Alstonvale, 2024
“Connected with Comfort Zone Insulation and would recommend them”
- Nhipages
Nola M
Birtinya, 2024
“They were courteous and competent.”
- Jhipages
Jennifer's E
Upper Caboolture, 2024
“Excellent customer service. Highly recommended. Has a profound knowledge of insulation products and has the best interest of his customer.”
- Jhipages
Jennifer
Upper Caboolture, 2024
“Excellent customer service. Highly recommend. Has a profound knowledge of insulation products and has the customer best interest.”
- Dhipages
Diane A
Ormeau, 2024
“Peter and crew did a great job I would definitely recommend them”
- Thipages
Timea
Highland Park, 2023
“I was extremely satisfied with the service they provided. They gave a very thourough explanation of the materials used, the way the work will be carried out and the price I had to pay was the exact amount quoted, no hidden costs included. They arrived on time, well prepared and workwas carried out exactly how they said it would be, they were super efficient, well prepared and were kind enough to even clean up after themselves. The services they provided was second to none! I don't hesitate to recommend them for any insulation job!”
- Mhipages
Mark
Pottsville, 2017
“Michelle, we are done - Peter from comfort zone insulation was very helpful. very honest with his recommendations - in fact he told me that the product my daughter had if installed correctly was superb. Thanks Peter you are a champion and i would recommend you to any person that was wanting professional advice and old school service.”
- Jhipages
Jessica
Pottsville, 2016
“This business offers a fantastic product that other businesses did not. Pump in ceiling insulation. Knowledge of the industry second to none.”
- Jhipages
Jack
Pottsville, 2023
“Excellent communication and informative. Professional.”
- Thipages
Tony P
Redland Bay, 2023
“Very knowledgeable about insulation”
- Shipages
Steve
Redland Bay, 2017
“Excellent job and reasonable price.”
- Bhipages
Bruce H
Kuluin, 2023
“Prompt and efficient quoting.”
- Ghipages
Gerry S
Fitzgibbon, 2023
“I used Comfort Zone and they have a done an excellent job.”
- Thipages
Tamara
Underwood, 2023
“Peter is honest, hard-working and came on time. Knew excally what he was talking about and answered my questions. Would 100% recommend”
- Shipages
Sterling G
Ashgrove, 2023
“Comfort Zone were very knowledge with great communication and follow up”
- Ghipages
Graham R
Riverhills, 2018
“Comfort Zone. Turned up ahead of time completed in +- 2 hours cleaned. All good. Very motivated installation team”
- Jhipages
Jung K
Riverhills, 2023
“An experienced family operation. Highly recommend. Thank you for the great job!”
- Khipages
Kathy A
North Lakes, 2023
“We connected with Peter through HiPages and he was prompt, professional and even came back after the job was complete to assist with a question we had. We would highly recommend Peter for further insulation works.”
- Dhipages
David H
Sunshine Coast, 2021
“Completed the job as quoted and to a high standard. Great personal service. Would highly recommend Comfort Zone for ceiling installationn work.”
- Shipages
Sue H
Sunshine Coast, 2021
“Incredible customer service”
- Ehipages
Eileen C
Cedar Vale, 2021
“Quality work, good customer service, prompt”
- Chipages
Craig M
Woody Point, 2021
“Called within 5 minutes of request. Very knowledgeable and explained job in great detail, provide great advice in prior preparation for works required. Very friendly and helpful.”
- Jhipages
Jenny C
Plainland, 2021
“Although I did not hire Peter I was impressed with the initial contact and the knowledge he was willing to impart. I was treated with respect which I appreciated. I would have hired but I received a lower quote.”
- Qhipages
Quinton
Coomera, 2020
“Professional installation without any short cuts. True to their word with high integrity. Response from Comfort Zone Insulation”
- Ghipages
Gary P
West Kempsey, 2020
“Came & Gave a free quote”
Our cover means the job’s risk is ours, not yours.
We carry $20 million public liability insurance. In plain English: it covers damage or injury to you, your home or a third party caused by our work. So if a boot ever went through the gyprock, or something got knocked off the bench, that’s on our insurer and on us, never on you. You book the job; we turn up with the cover in place; the worry about who pays if something goes wrong is ours to carry.
This matters more than people realise. Insulation is one of the truly dangerous trades. You’re climbing through a roof cavity that can sit well over 60°C in summer, balancing between ceiling joists, and working close to live wiring. It’s exactly that danger that killed four young installers, aged just 16 to 25, during the 2009–10 Home Insulation Program (the “pink batts” scheme). If an uninsured crew has an accident on your property, you can be dragged into it. So the simplest test of whether you’re dealing with a real business is this: ask to see their certificate of currency. A proper insulator has one ready.
“Ask any insulator to show you their public liability certificate. If they hum and haw, that tells you who’ll be carrying the risk when something goes wrong on your roof — and it won’t be them.”Peter Johnson, Comfort Zone Insulation Team
The catch: your side
A bad install can put your own home insurance at risk.
Here’s the part the cheap mobs don’t tell you. The insulation sitting in your roof is not the danger. A non-compliant install is. Pack insulation hard against a hot downlight, a transformer or a flue with no clearance, or let someone disturb wiring as a roof shortcut, and you’ve created a fire risk that never needed to exist. If a fire ever started there and an assessor found the work wasn’t done to code, an insurer can argue the loss was preventable.
That’s not scaremongering. It’s exactly what happened on a national scale. Insulation packed onto hot fittings caused 94 house fires during the pink-batts scheme. The fix is simple and it’s the installer’s job: keep the required clearance around every downlight, fan and flue, and never let anyone fiddle with your wiring to save themselves time. That’s a licensed electrician’s work, not an insulator’s. The Australian Government’s yourhome guide notes insulation must be kept clear of heat-producing fittings like recessed downlights.
Comfort Zone insulation.team
Family-owned insulation manufacturer, making comfy homes since 1986
How we cover you on both counts
The photos are your proof the hidden work was done right.
Almost all of the work we do is in a roof you’ll never climb up to inspect. If you can’t see it, you can’t prove it was done right, and that’s a real problem if you ever need to make an insurance claim. So every job is photographed to the same system, including the shrouds and clearances around the downlights, fans and flues, and the photos are checked before you’re invoiced. The job is done by a Comfort Zone franchise owner-operator, 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 subbie crew who leave no proof at all: if their work ever caused a problem, you’d have nothing to show your insurer except a hole in the ceiling and a phone number that’s gone quiet. The before-and-after photos aren’t a sales gimmick. They’re the record that the part of the job you can’t see was done to code.
Two notes from our terms
- You keep your own home and contents insurance. Our cover is for the job, not a replacement for yours.
- Nobody should use our ladder or our gear, and we won't use yours. It keeps who's liable for an accident crystal clear.
The full plain-English version is in our terms & conditions , including what we’re liable for and what sits with you, like pre-existing roof leaks and non-compliant downlights we find on the day.
More on insurance and risk
Are you insured, and who carries the risk on the job?+
Yes. We carry public liability insurance, so the risk of damage to your home or injury to a third party 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 truly 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 with the cover in place, 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.
Can bad insulation void my home insurance?+
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.
What does public liability insurance actually cover me for?+
We carry $20 million public liability insurance. It 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. 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 actually in place. One 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. That muddies who's liable.
How does a properly photographed job protect my insurance?+
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.
Did we put your mind at ease? A quick review means a lot.
A quick honest review genuinely helps a small family business, and helps the next person decide. Thank you.
Got photos or a video from the job? Here’s where to send them →
Want to see our certificate of currency before you book? Just ask. Call Peter on 0414 586 315 and we’ll send it through. A real business has nothing to hide.
Peter Johnson
Owner / installer · Comfort Zone Insulation Team® · Since 1986