A lot of insurers will prefer it to be outside the house, and especially not in a roof, due to the damage caused when it fails. Especially in a complex, where the builders put them all in the common roof space, and the top unit had at least a dozen bursts in a 2 year period, causing in each case the complete replacement of kitchen and bathroom, and replacing ceilings and built in cupboards in all rooms, and replacing carpets each time. They literally had to replace a kitchen they had installed the day before, because another one burst. So insurance insisted all geysers be not in roofs, and outside. Now all were moved, and no added damage from this now. By me most are outside, or in the basement area or in a garage, which is under the unit, though for some it is still inside, as it is unable to be removed. Changes the claim amount, instead of a R200k claim, now it is R4k claim only.