YOUR GUIDE TO THE INSURANCE CLAIM PROCESS

Insurance company receives claim from insured owner.

BUILDING SERVICES AUTHORITY

Time frames will be dependant upon: location extent of damage

STAGE 1

Insurer appoints loss adjuster or loss assessor.

Loss adjuster or loss assessor contacts insured owner. Inspection and/or emergency repairs arranged.

This guide is a general overview of the insurance process in relation to natural disasters. Please note that particular insurance companies may operate in slightly different ways. December 2009

Assessment inspection complete.

Engineer appointed if necessary Demolish Rebuild / Repair Builders provide quotation based on engineers site instructions. Insurance company provide approval. Decision made by insurer and insured owner which way to proceed. Design and documentation of repair completed. Builder contracts with insured owner. Contract signed and home warranty insurance premium paid for work over $3,300. Obtain development approval from certifier. Builder / contractor commences work. Inspections carried out by certifier.

STAGE 2

STAGE 2

Builders/contractors inspect and make safe as required. Provide quotation. Insurance company provides approval. Design and documentation of repair completed. Builder contracts with insured owner. Contract signed and home warranty insurance premium paid for work over $3,300. If necessary obtain development approval from certifier. Builder/contractor commences work. Inspections carried out by certifier.

Report to insurance company.

STAGE 3

STAGE 3