Why Independent Quotations Matter
Insurance companies have preferred builders who provide quotes that favor the insurer, not you. These quotes often undervalue repairs, use cheaper materials, or miss hidden costs.
Undervalued Repairs
Insurers often use outdated pricing or low-quality specifications to minimize costs.
Hidden Costs Ignored
Panel builders may miss ancillary costs like permits, disposal fees, or access requirements.
Like-for-Like Downgrades
Insurers may try to replace premium materials with cheaper alternatives.
Our Quotations Include Everything
Comprehensive, itemized quotes that reflect true market rates and like-for-like replacements.
Side-by-Side Comparison
Kitchen Water Damage - Comparison Example
Insurer's Panel Builder
Issues with this quote:
Undervalued materials, missing costs, insufficient contingency
ClaimGuard Independent Quote
Comprehensive & Fair
All costs included, proper specifications, realistic contingencies
The Result
Client negotiated settlement at $22,500 based on our independent quotation - $10,100 more than insurer's initial offer.
How We Create Your Quote
Site Inspection
Thorough assessment of all damage and repair requirements
Specifications
Document exact materials, finishes, and standards to be matched
Market Pricing
Research current market rates for all materials and labor
Itemized Quote
Detailed breakdown of every cost with justifications
Review & Submit
Professional presentation to your insurer with supporting evidence
When the Repair Scope Becomes Building Work
A repair scope may involve considerably more than replacing damaged finishes. Depending on the cause and extent of damage, reinstatement can involve demolition, structural repairs, carpentry, waterproofing, plastering and other building trades.
For Victorian projects, the appropriate contracting, registration and Home Warranty requirements will depend on the nature and value of the work. For information about how a registered builder approaches this type of work, see Brownlow Building's insurance building repair service in Melbourne.