Insurance Event Inspection
Independent documentation of building damage caused by an insured event, areas affected, damage caused, and likely cause of event.
- Same-day report (subject to access and availability)
- Upfront pricing
- 12 months free advice
What's in your insurance event inspection
Included
- Identification of all areas affected by the insured event
- Documentation of damage caused by the event
- Summary of the event including likely cause
- Photographic evidence of all affected areas and damage
- Inspection per AS 4349.0-2007
- Same-day written report
Not included
- Engineering assessment or certification
- Repair cost estimates (refer insurer for these)
- Damage caused by pre-existing defects unrelated to the insured event
- Contents damage (building structure only)
Our inspectors document every accessible element on site with photo evidence and severity ratings.
Real defects our inspectors have flagged
Why you might need this
- Storm, flood, fire, or impact damage to your property that is the subject of an insurance claim
- Insurer requires an independent assessment of building damage before approving a claim
- You disagree with the insurer's assessment of damage and need an independent report
- Property manager requiring documented damage assessment after a tenant-caused event
- Commercial property owner documenting storm or water damage for a business interruption claim
What we find when we walk a property
Every insurance event inspection draws on the same indexed defect corpus, patterns our inspectors have catalogued across thousands of properties.
Across Perth and Sydney. Every report indexed.
Per property our inspectors document, photograph and severity-rate.
23,030 defects classified critical: items that affect structure, safety or value.
Source: SURE defect corpus, refreshed monthly
The process
- 1
Book as soon as possible after the event
Inspection is most valuable when damage can be assessed before any temporary or permanent repairs are made. Provide details of the event type and date.
- 2
Inspector assesses affected areas
Your SURE inspector documents all areas affected by the event, the damage caused, and the likely cause, in accordance with AS 4349.0.
- 3
Same-day report delivered
A clear, well-documented report with photographs of all affected areas is delivered the same day, subject to access and availability, suitable for submission with an insurance claim.
- 4
Follow-up available
Your inspector can answer questions about the report during the free advice period, or attend as a witness if required.
See exactly what you get before you book
Our insurance event inspection report includes annotated photos, severity ratings, AS 4349 references and actionable remediation advice. Written in plain language so you can act on it the day you receive it.
- Photo evidence per finding
- Severity rated: critical, moderate, cosmetic
- Australian Standards cross-referenced
- Remediation guidance you can quote
What our insurance event inspections commonly find
Our DefectIndex documents inspection findings across Perth and Sydney. Browse the defect categories most relevant to this type of inspection.
About a insurance event inspection
The Insurance Event Inspection identifies building damage caused by an insured event, storm, flood, fire, impact, or any other sudden loss, and documents the areas affected, the damage caused, and the likely cause of the event. Completed in accordance with AS 4349.0-2007.
The report is designed for use with insurance claims and provides an independent, professional assessment of the damage in plain language with photographic evidence. Priced at $550 inc GST for the first hour on site, with additional time at $220 per hour.
Why this inspection matters
Insurers commission their own assessors. Those assessors work for the insurer, not you. An independent SURE inspection report gives you your own documented record of what was damaged, where, and why, before repairs begin and before the insurer’s assessment becomes the only version of events.
Book as soon as possible after the event. Damage documented in its original state, before temporary repairs, contractor attendance, or weather exposure changes the picture, provides the strongest basis for a claim. Once remediation work begins, some damage evidence may be lost permanently. If there is any dispute about the scope or cause of damage, your independent report is the counterpoint to the insurer’s version, not an afterthought assembled from memory.
You might also need
About insurance event inspection
What types of events does this cover?
Any building damage caused by an insured event, including storm, wind, flood, fire, lightning, impact (vehicle or falling tree), burst water pipes, or any other sudden event covered under a building insurance policy.
How soon after the event should I book?
As soon as possible, ideally before any temporary or permanent repairs are made. Documenting the damage in its original state provides the strongest evidence for your insurance claim.
Can this report be used in a dispute with my insurer?
Yes, an independent SURE inspection report provides documented evidence of the damage and its likely cause. This can be used to support a claim or challenge an insurer's assessment.
Is this inspection the same as an insurer's assessment?
No, the SURE inspection is independent of your insurer. Insurers typically commission their own assessors. Having your own independent report provides an important counterpoint if there is any dispute about the extent or cause of damage.
Does the inspection cover the contents of the property?
No, the inspection covers building damage only (structure, fixtures, fittings). Contents are the subject of a separate contents insurance claim.