CLAIMS GUIDE
Contract Works Insurance Claims
How to make a claim, what's covered, common scenarios we've handled, and why having a broker makes a difference when things go wrong on site.
24h
Claim lodgement
2-4wk
Settlement guide*
100%
Broker advocacy
HOW TO CLAIM
To make a contract works insurance claim: secure the site, document everything with photos, then contact your broker within 24 hours. We'll lodge the claim, guide you through documentation, and advocate with the insurer on your behalf.
The most important thing? Don't clean up before documenting. Insurers need evidence of the damage as it was. A broker ensures your claim is presented correctly and fights for the best possible outcome.
CLAIMS PROCESS
How to Make a Contract Works Claim
Follow these steps for the smoothest claims experience. The key is documentation and early contact with your broker.
Secure the Site & Document Everything
Your first priority is safety and evidence. Secure the site to prevent further damage, then photograph and video everything before any cleanup. This documentation is critical for your claim.
Contact Your Broker Immediately
Call your broker as soon as possible - ideally within 24 hours of discovering the loss. We'll guide you through the process, advise on next steps, and lodge the claim on your behalf.
Complete the Claim Form
Your broker will provide the claim form and help you complete it accurately. Include all supporting documentation: photos, invoices, contracts, police reports (for theft), and weather reports (for storm damage).
Assessor Inspection
For significant claims, the insurer may send an assessor to inspect the damage. Your broker can be present to represent your interests and ensure the assessment is fair and thorough.
Claim Settlement
Once approved, the insurer will pay the claim minus your excess. Straightforward claims with good documentation can settle in 2-4 weeks as a general guide, though complex claims may take longer. Your broker advocates to expedite the process and maximise your payout.
WHAT WE'VE SEEN
Common Contract Works Claims
These are the most frequent claim scenarios we see across our portfolio of builders and construction projects. Storm damage leads in QLD and NSW, while theft remains a persistent issue on residential sites across all states.
Storm Damage
Heavy rain, wind, or hail damages exposed framing, roofing materials, or completed work before handover. We see seasonal spikes during storm season, particularly affecting coastal and exposed sites.
Fire Damage
Fire destroys construction work, materials, or the entire project. Can be accidental (hot works, electrical faults) or arson on vacant sites.
Theft & Vandalism
Materials stolen from site including copper wiring, tools, and building materials. We've lodged claims for builders who had materials stolen during construction, with claims currently being processed through insurers.
Water Damage
Burst pipes, flooding, or water ingress damages internal works, flooring, or existing structures. Often occurs during renovation works when existing plumbing is disturbed.
Accidental Damage
Construction equipment or workers accidentally damage the project or materials on site. Excavator strikes, crane incidents, and dropped materials are typical examples.
Existing Structure Damage
Damage to the original building during renovation or extension works. This is why existing structure cover is critical for renovation projects.
BROKER ADVOCACY
Why Claims Advocacy Matters
When you claim direct, you're negotiating alone against experienced insurance professionals. With a broker, you have someone on your side who knows the process, policy wording, and how to maximise your payout.
Lodge claims correctly the first time, with proper documentation and presentation from day one
Challenge unfair assessments when an assessor has undervalued your loss
Navigate policy wording and identify coverage you didn't know you had
Communicate with assessors and represent your interests during site inspections
Expedite settlement by leveraging insurer relationships to speed up the process
THE BROKER DIFFERENCE
We work closely with specialist underwriters like 360 UW who understand construction risks. When claims are complex or initially declined, we know how to present the case, challenge assessments, and identify coverage that may have been overlooked, such as existing structure damage on renovation claims.
CURRENT CLAIMS WE'RE MANAGING
We're currently assisting a Victorian residential builder with a theft claim after materials were stolen from site during construction. The claim has been lodged and is being processed. This is the reality of construction sites: theft happens, and having proper cover (and a broker to manage the claim) makes all the difference.
DOCUMENTATION
What You'll Need for Your Claim
Good documentation speeds up your claim and improves your settlement. Here's what to gather.
Visual Evidence
- Photos of damage from multiple angles
- Video walkthrough of affected areas
- Before photos (if available)
- Date/time stamped images
Project Documents
- Construction contract
- Project schedule/timeline
- Invoices for damaged materials
- Progress payment records
Supporting Reports
- Police report (theft/vandalism)
- Weather bureau data (storms)
- Fire brigade report (if applicable)
- Witness statements
Pro tip: Document everything immediately, even if you're not sure it's relevant. It's easier to have too much evidence than too little. Your broker will help you determine what's needed for your specific claim.
CLAIMS FAQS
Common Questions About Contract Works Claims
REVIEWED BY
Marel Pencev
Managing Director
Last updated: January 2026
Experience
5+ Years
Insurance Broking
Title
Senior Broker
Construction & Commercial
Role
Managing Director
Tank Insurance
Network
Steadfast Group
Australian Owned
Need to Lodge a Claim?
If you've experienced damage on your construction site, contact us immediately. We'll guide you through the claims process and advocate for the best possible outcome.