Insurance Works Estimates

When buildings are damaged by unforeseen events such as fire, flood, storm, structural failure or impact, an independent insurance works estimate is essential to determine the true reinstatement cost. At Tate & Sons, we specialise in preparing clear, detailed, and professionally structured estimates that are relied upon by insurers, loss adjusters, property owners, builders, strata managers, and legal professionals across Australia.

Our reports help to ensure claims are supported by fair, evidence-based cost assessments. Whether you need a cost estimate to validate a builder's quotation, support an insurance claim, or resolve a dispute, our qualified Quantity Surveyors are trusted to provide independent and accurate reporting that stands up to scrutiny.

What is an Insurance Works Estimate?

Our insurance works estimates are commonly requested by:

Homeowners requiring an independent report to support their insurance claim or challenge a builder's pricing
Builders seeking to validate the cost of works or provide substantiated backup for scope and rates
Loss adjusters and insurance assessors needing accurate, third-party pricing to support claim processing
Lawyers and solicitors involved in disputes, recovery proceedings, or negligence claims
Body corporate and strata managers responsible for shared property insurance matters and cost allocations
across units
Property managers coordinating rectification works on behalf of owners or landlords

What does the report include?

Tate & Sons insurance works estimates are structured to provide maximum clarity and technical reliability.

Each report is tailored to the nature and extent of the damage and includes detailed cost breakdowns to support decision-making, negotiation, or formal proceedings.

A typical insurance works estimate will include:

A fully measured and itemised Bill of Quantities, broken down by trade and building element
Detailed labour, material, and plant cost breakdowns, based on current market rates in the local area
Make safe works, including emergency rectification, demolition, decontamination, and temporary
protection measures
Scope of works aligned to builder quotes, photographic evidence, or onsite inspection records
Comparison of repair versus replacement costs, if applicable
Inclusion of provisional sums, contingencies, and allowances for potential scope variations
Commentary on any discrepancies, exclusions, or missing elements found in third-party builder quotations
Optional site inspections to verify condition, extent of damage, and build methodology where required

Our goal is to provide a practical, accurate, and defensible pricing document that helps all parties understand what is required and how much it will cost to complete the works.

Why choose Tate & Sons for Insurance Estimates?

Tate & Sons has delivered thousands of insurance works estimates across residential, commercial, and industrial projects throughout Australia. We are trusted for our experience, independence, and technical understanding of both construction and insurance processes.

Our reports are relied upon in negotiations, legal matters, and formal claim assessments.

Clients rely on us because:

We have completed over 6,000 cost reports nationwide
All estimates are prepared by qualified Quantity Surveyors with insurance experience
Our reporting is independent and impartial, providing confidence to owners, insurers, and legal teams
We use real-time market rates, not generic square metre pricing
Reports are structured for readability, including plain-English summaries and appendices where required
We are experienced in working alongside builders, engineers, lawyers, and insurers to produce coordinated outputs
We provide follow-up support where estimates are disputed, challenged, or require further clarification