Stop! Wait! Can I do my own home insurance repairs?

Is it possible to do your own home insurance repairs? What’s involved and what are YOU risking?

Your kitchen or bathroom may have flooded, you might be trying to rectify damage caused by tenants in a rental property or you may be looking to do some strata repairs on the cheap.

But what are you risking by undertaking this task by yourself? Is it achievable to do your own insurance repairs? And is it worth it?

What’s the Risk?

There is a lot at stake if you undertake doing your own home insurance repairs.

First and foremost, you are deciding to step away from the option of engaging the services of a third-party insurance repairer. This means that, should something go awry during the process, you won’t have the backup support that an insurance repairer is able to provide. You’ll need to carefully check the conditions of your insurance policy prior to making a decision.

Your insurance company will make a payout to you. You can either pocket that money or use it to employ your own tradespeople rather than the tradies your insurance company would have chosen for you.

That’s a Good Thing, Right?

Not necessarily.

If you select your own tradespeople, you’re putting yourself at risk. You are responsible for the work that they carry out, and if it’s not up to scratch, it may cost you more. You can never be too careful when it comes to selecting the right tradies for the right job.

What Can Go Wrong?

Things that could go wrong if you elect to carry out your own home insurance repairs:

  • Underqualified or illegitimate tradespeople. You’ll be trusting them to notice and rectify building defects and you can’t be sure that they’ll do the right thing.
  • You will need to negotiate and organise all trades which is a time-consuming and frustrating process.
  • You are the main ‘point of contact’ – everything will be left up to you to organise which can be stressful.

Why Insurance Repairs Are Important

If you choose a reputable professional insurance repairs company, you will not be at risk when renovations go wrong. A professional team will see your project through from start to finish. They will be responsible for undertaking the coordination and communication with your insurance company.

Contact My Repairbuild

My Repairbuild have decades’ worth of experience in the insurance repairs field. Every single person on the team, from administration through to trades, is experienced and reliable.

If you’re looking for a hassle-free way to ensure your home insurance repairs are done right, contact the team today to discuss your individual situation.

QLD Master Builders Association Member Strata Community Association QLD Member