Insurance Home Maintenance Requirements: What You Can’t Ignore
Understand the home maintenance requirements…
March 24, 2026
Know when to DIY and when to call a professional. A Perth homeowner's guide to legal requirements, risk, and smart repair decisions.
Perth homeowners are a hands-on bunch. Hardware stores across the metro area do brisk weekend trade as people tackle everything from painting bedrooms to tiling splashbacks. Some of these projects deliver genuine savings and satisfaction. Others end up costing more to fix than a professional would have charged in the first place.
The key question isn’t whether you can do something yourself — it’s whether you should. That answer depends on three factors: legal requirements, risk of damage, and your honest assessment of your skill level. Getting this decision right can save Perth homeowners thousands of dollars over the life of their home.
WA law is clear on certain categories of work. Under the Building Act 2011 and associated regulations, some tasks legally require licensed professionals. The Building Commission WA enforces these requirements, and insurance companies can void claims on work done by unlicensed individuals.
| Work Type | Legal Requirement | Why It Matters |
|---|---|---|
| Electrical work | Licensed electrician required | Electrocution risk; fire hazard; insurance void if unlicensed |
| Plumbing work | Licensed plumber required | Water contamination risk; flood damage; compliance with AS/NZS 3500 |
| Gas fitting | Licensed gas fitter required | Explosion and carbon monoxide risk; criminal penalties for unlicensed work |
| Structural alterations | Registered builder + building permit | Structural failure risk; non-compliant work must be demolished |
| Waterproofing (wet areas) | Licensed waterproofer required | Must comply with AS 3740; defects cause hidden structural damage |
| Asbestos removal (over 10m²) | Licensed asbestos removalist | Serious health hazard; WA has strict disposal requirements |
This is non-negotiable. A Perth homeowner who does their own electrical work risks not only injury but also voiding their home insurance and facing fines from EnergySafety WA. If your property was built before 1990, asbestos is almost certainly present in some form — eave sheets, fencing, wet area linings — and disturbing it without proper precautions is genuinely dangerous.
Plenty of maintenance tasks are perfectly suited to DIY, provided you have basic tools and a willingness to do the job properly.
A single room repaint is one of the most satisfying DIY projects. The keys to a good result are thorough preparation (filling holes, sanding, cleaning, masking) and using quality paint. Budget around $150 to $300 for materials per room using Dulux or Taubmans products from your local paint supplier. For whole-house repaints or exterior work, the scale, access requirements, and surface preparation generally justify professional painting services.
Mulching, planting, basic retaining walls under 500mm, reticulation adjustments, and lawn care are all reasonable DIY territory. Perth’s sandy soils make digging easy in most suburbs, though clay pockets in areas like Armadale and Guildford can complicate things.
Replacing a single loose fence paling, re-screwing a wobbly gate, or tightening deck screws are straightforward tasks. However, if the underlying structure is compromised — rotted posts, termite damage, or leaning frames — the repair needs professional assessment.
Some projects sit between clear DIY and clear professional territory. Your decision should factor in the cost of failure, not just the cost of the work.
Single-storey gutters on a low-pitched roof are manageable for a confident homeowner with a stable ladder and someone to spot them. Two-storey homes, steep roof pitches, or gutters accessed over driveways and hard surfaces are better left to professionals. Falls from ladders are a leading cause of serious injury in Australian homes. A professional gutter clean typically costs $200 to $400 — far less than an emergency department visit.
Applying deck oil is physically simple but the preparation matters enormously. If the existing coating hasn’t been properly stripped, or the timber hasn’t been sanded back to a clean surface, the new oil will peel or blotch within months. Perth’s intense UV means preparation shortcuts show up fast.
A useful rule of thumb: if a failed DIY attempt would cost more to fix than the professional quote, hire the professional. Bathroom tiling is a perfect example — a DIY tiling job with poor waterproofing underneath can lead to structural damage costing $15,000 or more to remediate. A professional bathroom renovation done right the first time is always the better investment.
The same logic applies to any project involving multiple trades. When a job requires a carpenter, painter, and plumber working in sequence, the coordination challenge often exceeds the DIY savings. That’s exactly where single point of contact project management delivers real value — one call instead of three, with guaranteed scheduling and accountability.

James Officer
James Officer, has been renovating homes for more than 20 years. Over a decade ago, James founded Perth Property Improver with a clear vision — to create a reliable, professional service where homeowners could feel confident that their project was in safe hands. Over the years, he has built strong relationships with trusted local contractors, carefully weeding out the average from the excellent, so only the most skilled, dependable tradespeople work on your home.
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