Building Insurance Assessment, Engineer-Led Causation Findings
When something goes wrong, a storm, a burst pipe, a fallen tree, the question that usually decides your claim comes down to cause. An insurance assessment documents the damage and gives a clear, engineer-backed opinion on what caused it, so your claim isn't left open to argument.
Insurance Claims Are Won or Lost on Causation
Most insurance disputes don't come down to whether damage exists, they come down to why it happened. Insurers will often look to attribute damage to wear and tear, a pre-existing condition or poor maintenance rather than the insured event itself, because that's usually the difference between paying a claim and declining one.
Our Chartered Engineers assess not just what's damaged, but why, and document it clearly enough to stand up to scrutiny. If your situation needs a more detailed engineering opinion, the same visit supports an upgrade, with no second inspection fee.
Don't let your claim get argued away on a technicality.
One Assessment, Built to Support Your Claim
Building Insurance Assessment (Engineer-Led)
An assessment of damage to your property following an insured event, such as a storm, flood, fire or impact damage, with a clear opinion on causation and extent. Suitable for supporting a new claim, responding to a disputed one, or reviewing your cover before you need it.
What's Covered in a Building Insurance Assessment
A full assessment structured around four areas.
Damage Documentation
Photographic and written record of the damage, covering the full extent of what's affected.
Causation Assessment
An engineer's opinion on what caused the damage, the detail insurers focus on most when assessing a claim.
Repair Scope & Estimates
A clear scope of what needs fixing, to support a fair and accurate claim.
Residential & Commercial
Available for homes, investment properties and commercial premises.
Tiered Upgrades and Add-Ons
Every insurance assessment can be extended with the following, individually or combined.
Drone roof video and images, for roof damage that's unsafe or impractical to inspect on foot.
Engineering-level report, for a deeper causation and structural analysis beyond the standard assessment.
Drawing review, approved plans reviewed against the current condition, where relevant.
Dispute-ready expert report upgrade, if your claim is disputed, your data is already escalation-ready.
If Your Claim Is Disputed, What Happens Next
Scope
A clear, itemised scope of the damage and the likely cause, ready to put to your insurer.
Costing
Engineer-prepared repair estimates, so you have a defensible figure to work from.
Procurement
Help sourcing the right trade if repairs go ahead independently of an insurer-appointed contractor.
Project Management
Oversight through the repair process, so the work matches the recommendation.
Verification
A follow-up inspection to confirm the repairs were completed to standard.
Inspect. Report. Protect.
Three steps from booking to a report you can act on.
Inspect
Book online or call 1800 796 776. Tell us what happened and when. A Chartered Engineer is matched to your job with same-week availability.
Report
One thorough site visit, with damage, causation and extent documented clearly enough to support your claim.
Protect
Receive your report and put it straight to your insurer. If your claim is disputed, upgrade to a dispute-ready report, no second site visit required.
Building Insurance Assessment Pricing
Pricing depends on property size, the extent of damage and location. All pricing confirmed before booking.
Need a structural opinion outside of an insurance claim? See Engineering Report.
Building Insurance Assessment FAQs
Everything you need to know about getting an independent assessment for your claim.
An independent assessment of damage to your property, usually following an insured event like a storm, flood, fire or impact. It documents what's damaged, the likely cause, and what it will take to repair, so you have something solid to support your claim.
Either works. Some clients book an assessment before lodging, so they go in with the full picture. Others come to us after their insurer has already raised questions or pushed back on a claim.
Yes. An independent assessment is often exactly what's needed at that point, particularly if the dispute comes down to causation. If it needs to go further, your data can be escalated to a dispute-ready expert report.
No. The assessor your insurer sends works for the insurer. Ours works for you. That difference matters most when the cause of the damage, and therefore who pays, is in question.
Yes. Offices, retail premises, warehouses and industrial sites are all within scope, the same as our commercial building inspections.
It depends on the size of the property and the extent of the damage. Contact us with the details and we will put together a quote before you book.