At the highest level break our process into Key Steps, for example, “Know Your Home”, “Disaster Strikes”, “Make a Claim”, “Assessment”, and so on. After a claim has been made there are four stages in the methodology we know you must follow if you intend to reinstate your home when you are being paid the cash equivalent to reinstate. We break each stage down into a detailed range of tasks, inclusive of consultation milestones with your insurer/EQC and insurance advisor as required. In our process, before you move from one stage to the next, decisions must be made and agreements reached with the insurer, your team of experts and insurance advisor.
We recommend a consultative approach to working with EQC and/or your insurer whenever possible. However, when they are the ones paying you the cash equivalent to reinstate your home, and you seriously intend to have the work done to the insurance standard, we do not recommend you rely on reports or assessments commissioned by the insurer for the insurer, or by a builder for the builder, nor any party other than yourself.
You must ensure you complete due diligence about each team member you select, and they all must all know you are ‘doing the work’ so they can each consider their liability to you and your project. Yes, to do it once and do it right takes time and often some investment, but doing it once and right is always worth it.