Estimating & Assessing
Accurate estimating. Exceptional repair experiences
Assessing the Damage:
Our Bookings Team will call you to arrange a time that suits. During the visit, the Estimator will check the damage to your home, take photos, and record important details. They will then prepare a report and a quote. The report will explain how the damage happened, whether it is covered by your insurance policy, and the cost to repair your home so it is back to the way it was before the event.
FAQs
What is a scope of works?
A Scope of Works is like a builder’s quote. It explains the repairs that need to be done as part of your insurance claim.
The Scope makes sure everyone knows exactly what work is needed to restore your home. It is set out room by room, with each task listed clearly so you can see what will be done in each area.
What role does an insurance assessor have?
An Insurance Assessor is chosen by your insurer. Their job is to check what your insurance covers.
Sometimes the Assessor will visit your home with our Estimator. This is called a dual assessment. It can happen in person, or by video call through the Estimator’s phone.
If an Assessor attends, they may provide input straight away. Otherwise, your insurer will review the report and Scope of Works before making a decision.
What happens if you find extra damage?
If you notice extra damage after the Estimator has finished the Scope of Works, do not worry.
Sometimes hidden problems are found once repairs begin. When this happens, When this happens, ARC will notify your insurer and submit a variation, then await your insurer’s approval before proceeding with any additional work. This makes sure the extra repairs are done properly so your home is brought back to the condition it was in before the event..
Why are some things not included in the scope of works?
Insurance repairs are not the same as home renovations. They are done based on the rules of your insurance policy and what it covers.
If this is your first time making a claim, the process may feel a little confusing. To make it clearer, we explain what counts as damage from the event, what counts as old damage, and what jobs are the owner’s responsibility to look after.
Pre-existing Damage / Owner Maintenance /Building Concerns
Sometimes you might think certain damage should be repaired, but it is not listed in your Scope of Works. This can happen for a few reasons:
Pre-Existing Damage
This is damage that has happened slowly over time and is not part of the event you are claiming for.
Example: If a storm makes a tree fall and break your roof, the roof repair will be covered. But if the gutters nearby were already rusty and leaking before the storm, fixing them will not be included, as that damage existed before.
Owner Maintenance
This is regular upkeep that all homeowners need to do to keep their property safe.
Example: If strong winds damage your fence and shed, that damage will be covered. But if the shed gutters are blocked with leaves and water cannot drain, you will need to organise and pay for the gutter cleaning yourself. This is normal maintenance, not part of the storm event.
Building Concerns
Some homes were built under old rules that are different from today’s building codes. If parts of your home does not meet current standards, we may not be able to repair them.
Example: If a past owner closed in a carport without council approval, and that area is later damaged by a storm, the storm damage will be noted, but we cannot repair or upgrade that space. Bringing it up to today’s code, like correct ceiling height or ventilation, is not covered by insurance.
If any of these issues come up, we will clearly explain what they mean and the steps you can take..