Insurance Building Condition & Rectification Report
The independent building report an insurer asks for before offering or continuing cover.
Who this report is for
Owners whose insurer has asked for an independent building condition report, a rectification scope, evidence that repairs have been completed, or supporting cost information before offering or continuing cover.
When to order it
As soon as the insurer sets the requirement, and well before a renewal date. Insurers work to deadlines and a lapse in cover is worse than the underlying problem.
What is inspected
- The building’s condition, addressed against the specific matters the insurer has raised
- Roof, structure, wet areas, electrical and plumbing evidence visible to a building inspection
- Defects and deterioration described with cause, extent and significance
- A rectification scope of works where the insurer requires one
- Cost information for the described works where that is requested
- Evidence of repairs already completed, where that is what the insurer needs to see
- Photographic evidence throughout, and thermal or moisture evidence where water is involved
What you receive
- A written report addressed to the requirements the insurer has actually stated
- Photographic evidence tied to each finding
- A rectification scope and cost information where requested
- A document prepared by an NSW licensed builder, on the building’s real condition
Important exclusions and limitations
Publishing this is unusual. It should not be — you should know where the gaps are before you rely on the document.
- This report cannot and does not promise that cover will be offered, continued or reinstated. That decision belongs entirely to the insurer.
- It is not a valuation, a replacement cost assessment or a certificate of any kind.
- It is a visual building inspection. Where engineering certification is required, an engineer must be engaged.
- Electrical and gas matters are reported only as visual observations. Where a licensed trade inspection or a certificate is required, the report says so and you engage a licensed electrician or gasfitter directly.
Technology and equipment used
- Professional FLIR thermal imaging
- Moisture measurement and mapping
- FPV micro-drone access where safe and permitted
Thermal imaging identifies temperature anomalies and supports professional interpretation; it is not proof of a hidden defect on its own. Drone use depends on weather, airspace, privacy and site conditions and supplements physical inspection rather than guaranteeing complete coverage.
Turnaround
Need it fast? An urgent report is delivered within 6 hours of the inspection when you ask for one at the time of booking. Standard turnaround is confirmed in writing with your booking, before the inspection takes place.
Pricing
This report is individually scoped and quoted, because the work depends on how much there is to inspect, what equipment is required and how much inspection and reporting time is involved. You receive a confirmed price and a written scope before anything is booked.
Service areas
This report is available across Sydney, The Illawarra, Southern Highlands and Shoalhaven. Outside these areas, call 1300 140 579 and ask — travel is often workable.
Questions
Questions about this report
My insurer sent a list of requirements. Can you address them directly?
Yes, and you should send the list through when you book. A report that answers the insurer’s actual questions in their order is far more useful than a general condition report they then have to interpret.
Will this get my cover approved?
No report can promise that, and be careful of anyone who says otherwise. What it does is put accurate, independent, photographed building evidence in front of the insurer instead of an assumption.
The insurer wants proof the repairs were done.
That is squarely within this report — the completed work is inspected and documented with photographs against what was required.
What should I send through when I book?
The insurer’s correspondence, any list of requirements they have issued, and any earlier reports or quotes on the property. The report is built to answer their specific questions, so the more of their wording we have, the more directly it can respond.
Request a report
Tell us the property and the problem
You will get a confirmed price and a written scope before anything is booked. No deposit is taken to answer a question.
Would rather just talk it through?
1300 140 579Describe the property and the concern. You will get a straight answer about which report fits, including when the answer is that you do not need one.
- NSW Licensed Builder
- Professional Indemnity Insured
- $20 Million Public Liability Insurance
- More than 20 years of hands-on building experience
- Independent — the report is written for you
Enquiry received.
Thank you — your request has been sent and you will get a reply with availability, scope and cost.
If you are working to an auction or a cooling-off deadline and need an answer quickly, call 1300 140 579.