Insurance scope preparation and costing – detailed site inspections and reporting for major loss insurance claims in Sydney

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Insurance Scope Preparation & Costing
Precision-built insurance scopes and costings that eliminate ambiguity, accelerate approvals, and protect stakeholders from budget blowouts during major loss reinstatement.

In major loss insurance works, the scope is the battlefield — and a poorly written one can cost months in delays, thousands in disputes, and leave owners exposed to shortfalls.

At Atomic Projects, our Insurance Scope Preparation & Costing process is engineered to eliminate uncertainty. We don’t just measure and price; we translate damage into a clear, compliant, and insurer-ready scope that gets approved fast and executed without compromise.

Our Scope & Costing Process

  1. Damage Quantification
    • Conduct forensic site assessments to capture the full extent of damage, including structural, cosmetic, and concealed defects.
    • Use advanced tools like moisture mapping, drones, and thermal imaging to detect hidden deterioration.
    • Photograph, annotate, and catalogue every damage point for insurer reference.
  2. Line-Item Scoping
    • Break down reinstatement works into trade-specific, measurable tasks.
    • Identify dependencies and sequencing to avoid scope gaps or conflicts.
    • Clearly define inclusions and exclusions to prevent misinterpretation.
  3. Code & Compliance Integration
    • Ensure all works are specified in line with the NCC, Australian Standards, and relevant local authority requirements.
    • Include upgrades where required to meet current codes — not just pre-loss conditions.
    • Flag potential heritage, accessibility, or fire safety requirements early in the scope.
  4. Cost Modelling & Accuracy
    • Develop costings using current market rates, factoring in labour, material lead times, site access constraints, and risk allowances.
    • Apply contingency planning for volatile supply chain pricing.
    • Provide both lump sum and staged payment schedules where appropriate.
  5. Insurer & Stakeholder Alignment
    • Present scope and costings in a clear, evidence-backed format that loss adjusters can process without back-and-forth.
    • Provide reconciliation reports for any insurer-requested scope changes.
    • Maintain transparent communication between all parties to keep approvals moving.

Why This Matters

A vague or incomplete insurance scope is an open invitation for disputes, cost overruns, and delays. Our process front-loads the detail, so every stakeholder knows exactly what’s being delivered, at what cost, and under what compliance framework.

The result:

  • Faster insurer approvals.
  • Minimal variation disputes.
  • Projects that run on budget and on schedule.

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If you’re ready to get started, we're ready to help.

Take the next step and let’s build something that lasts.

 

📞 Call Us: 0410 515 509

✉️ Email Us: hello@atomicprojects.com.au

 

— Ben Tran, General Manager, Atomic Projects

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