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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