What insurers actually ask for
When you lodge a contents claim on a damaged appliance, computer, camera system or piece of equipment, your insurer will usually ask for one of two things: a repair quotation, or an assessment confirming the item is beyond economic repair. A one-line invoice saying 'fridge broken, $2,000' will be sent straight back.
What gets a claim moving is a report that names the item, make, model and serial number, states the observed damage, identifies the likely cause, specifies the parts and labour required with individual costs, and gives a clear conclusion on whether repair is economic. That is exactly the document we produce.
What's in our report
Every quotation we issue includes item identification with make, model and serial number where available; dated photographs of the damage; a plain-English description of the fault and its likely cause; an itemised parts and labour breakdown with GST shown; a repair-versus-replacement recommendation with current replacement pricing where relevant; and the technician's name and contact details so your insurer can follow up directly.
We write these as an independent technical assessment. We do not inflate figures and we do not tell you what you want to hear — an assessment that overstates damage is worse than useless, because it invites a challenge that delays your claim by weeks.
How the process works
Book an assessment and tell us what happened and which insurer you're dealing with. If your insurer has a specific form or required fields, send those through and we'll complete them. The technician attends, inspects and photographs the item, and tests it where it is safe to do so.
Your written quotation is usually emailed within one to two business days of the visit, addressed to you and formatted so you can forward it straight to your claims handler. If the insurer comes back with follow-up questions, we respond to those as part of the same engagement at no extra charge.
Common claim scenarios we assess
Power surge damage after a storm or a supply fault, where several appliances fail at once. Water damage from flooding, a burst pipe or a leaking roof. Accidental impact damage. Burglary damage to security equipment and doors. Failure of a fridge or freezer resulting in spoiled contents. Damage to equipment in transit or during a move.
If the item turns out to be repairable and you'd like us to carry out the repair once the claim is approved, we can do that too — and the assessment fee is credited against the repair.
