Property & incident
Review the reported event and the available information about the building. Relate the account of the damage to the areas that can be inspected.
02 / Property assessment
The property.
The complete picture.
A considered repair starts with understanding the damage. We bring property observations, practical constraints and a defined scope together to support the next claim decision.
Explore our approachProperty insight / Clear decisions / Managed repairsFollow the process
The Prestige8 approach
Understand the damage.
Give the work a basis.
The assessment should explain more than what looks damaged. It should put the affected areas in context, identify what needs further investigation and describe a practical basis for repair.
Extent & evidence
Record relevant observations, measurements and photographs. Distinguish what has been seen from assumptions or matters that require further investigation.
Practical repair needs
Consider access, occupation, materials and the sequence of work. Identify dependencies that could affect how the repair is planned.
A defined scope
Describe the proposed work in a structured form, with quantities where appropriate, so it can be reviewed and priced against a clear basis.
How it comes together
From first observations
to a useful scope.
A structured assessment keeps the reasoning visible, including the limits of what can be established at the time.
Prepare for the assessment
Review the instruction and available claim information. Establish access arrangements and any known constraints before the visit.
Inspect & document
Examine the accessible affected areas and record the condition, relevant dimensions and photographic evidence.
Shape the repair approach
Set out the work indicated by the findings. Highlight assumptions, further investigation and specialist input where required.
Present for review
Bring the findings and proposed scope together to support the insurer’s decision and, where instructed, the repair quotation process.
What it brings together
A stronger basis
for the decision.
The assessment connects observations to a proposed response, with enough context to understand both the work and its limits.
Claim informationPurpose & detail
Recorded findings
Relevant observations and photographs tied to the affected property areas.
Scope of works
A structured description of the proposed repair, with quantities and specification detail as appropriate.
Open questions
Items requiring clarification, further investigation or specialist assessment.
Delivery considerations
Access, occupation, sequencing and other constraints to consider before repairs begin.
A little more detail
Good questions.
Clear answers.
Is a property assessment the same as a coverage decision?
No. The assessment provides property evidence and repair information. Policy coverage is determined by the insurer or its authorised decision-maker.
What if some damage cannot be inspected?
Access restrictions and inspection limits should be recorded. Further investigation or specialist input may be needed before the affected work can be defined.
Can the scope change later?
Further findings can change the repair needs. Changes should be documented and submitted for the appropriate review and approval before additional work proceeds.
Discuss your requirements with Prestige8.
Contact information