Roofs, and the weaknesses around roofs and roof access, is probably really the one to emphasize in that there is quite a high degree of loss implication around those roofs, and as a priority getting your roof sorted out is a really good approach. Roof spaces typically contain combustible material such as framing, insulation or stored materials. Roof are typically built with many gaps that can allow embers and debris to reach the roof space. Typical sarking used in these roof spaces is not a match for the burning debris that builds up against the sarking in these roof spaces.

Fires happen to occur on very windy days. That's just one of the important aspects of a severe fire weather day.

Wind gusts that exceed 75km/hr (like on Black Saturday) are enough to potentially lift tin, or dislodge roof tiles.

That degree of weakening obviously then allows the other bushfire actions to play on the house and cause issues.

Think very carefully about how adequately your roofing is fixed. An extra pack of screws on every other ridge on a roof is an excellent consideration.

Every roof sheet has an end, either at the ridge line of a house or at the gutter line of the edge of the roof, and that's where you have significant potential ember entry.

Fortunately for a steel roof, those areas can be readily addressed by putting ember screening systems either along the ridge capping and along the gutter line.

A terracotta and cement roof tiles presents a particular problem in that they just inherently aren't ember tight. Tiles don't seal against each other, and the entire roof itself has almost a universal ember access problem.

The ridgelines certainly are, if they're well pointed and covered, but the tiles simply don't sit tightly enough over each other to prevent long term leaf, debris and build up under the tiles, and also allow embers through those same gaps.

A tiled roof needs quite a dramatic intervention to resolve the problem.