Property & protection
Structural / Roof Repairs
Fix it before it grows.
Structural repairs — a failing roof, foundation movement, waterproofing — get more expensive the longer they wait. Where insurance won't cover the work, drawing from equity through a refinance funds the repair at home-loan rates and stops the damage compounding.
Things to consider
- Get more than one licensed builder's quote — repair costs vary widely.
- Check whether your insurance policy contributes to any of the work — some 'gradual deterioration' clauses exclude, some don't.
- Refinance timing matters — if the property is in a poor state, valuation can suffer. Sometimes a small draw before major work preserves options.
- Keep contingency in the borrowing plan; opened walls and lifted roofs often reveal more.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
Explore whether structural / roof repairs could work for you — complimentary, no obligation.
No obligation · No cost · No credit check to enquire.