A homeowner seeking a new metal roof, insulation and wiring after a contractor pressure-cleaned the property has lost a claim dispute. 

The man said the pressure-cleaning process damaged the roof, allowing water to enter the home and causing internal damage, and argued the cost should be covered under his policy’s escape of liquid section. 

But Suncorp's builder found the aged roof had numerous holes, lifted nails and widespread rust, and the claim was denied.  

The insurer says water intentionally sprayed from a pressure washer during roof-cleaning works does not constitute liquid leaking, overflowing or bursting. It also noted exclusions relating to wear, tear, rust, corrosion and gradual deterioration. 

Later, Suncorp accepted a separate storm-related water ingress claim. It cash-settled $19,121 for building repairs as well as $3641 for restoration and sanitisation, based on expert assessments and including an allowance for asbestos removal. 

But the homeowner said the insurer had initially indicated broader remediation was required. 

He told Australian Financial Complaints Authority Suncorp should replace the roof, ceiling linings, insulation and wiring, arguing it had incorrectly declined the initial claim and did not fully remediate the accepted damage. He also sought $5000 compensation. 

AFCA ruled the pressure-wash damage fell outside of policy terms but did award $2000 compensation for "avoidable inconvenience and frustration" caused by delays with effective make-safe work and communication. 

"No insured event was established for the pressure cleaning claim. The accepted repair scope is adequate," the ombudsman ruled. "There is no expert evidence showing full ceiling, further asbestos remediation or wiring replacement is required. 

"The policy only covers loss or damage caused by liquid leaking, overflowing or bursting from specified items." 

Optional cover for accidental damage was not purchased, and AFCA said the homeowner had not provided any persuasive independent evidence to refute Suncorp’s position. 

"The policy does not provide cover for damage caused by pressure cleaning ... the pre-purchase inspection report records corrosion has caused holes in the roof and valley gutters. It recommended repairs to ensure the roof was watertight," the ruling says. 

See the ruling here.