Cause of loss
The origin established and evidenced, with the failed component photographed before disturbance where it is safe to do so.
For insurers & loss adjusters
Water damage restoration and reporting for insurers and loss adjusters
You need a cause of loss you can rely on, a scope that is defensible, and drying evidence that shows the work was actually necessary and actually completed. That is what our documentation is built to provide.
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IICRC certified firm
What our documentation contains
Moisture mapping and drying logs
Readings at each visit against a defined dry standard, so the drying period is evidenced rather than asserted.
Itemised scope of works
Scope tied to the damage it addresses, with salvage decisions justified against category and material.
What makes a claim easy to assess
Most disputes over restoration claims come down to a handful of things that were not recorded properly at the time and cannot be reconstructed afterwards.
- Water category recorded on arrival — Category determines what can be salvaged and what must be replaced. Recorded at attendance it is evidence; asserted later it is an opinion.
- Pre-disturbance condition — Photographs of the failed component and affected materials before anything is moved, which cannot be recreated once the site is cleared.
- Drying to a defined standard — Readings against an established dry standard rather than a technician’s judgement, so equipment days are justified.
- Salvage decisions explained — Why a material was removed rather than dried, tied to its category and construction, so the replacement line is defensible.
How we support the claim
Evidence captured at the right moment
The most important evidence in a water claim exists for a very short time. Once standing water is extracted, saturated material is removed and the site is cleared, the condition at the time of loss cannot be reconstructed by anyone.
We capture it before we start work: the failed component, the extent of saturation, the affected materials and their condition, and readings that establish the category and the scale. That is what allows an adjuster to assess a claim weeks later without having to take anyone’s word for it.
Drying that can be justified
Equipment days are a frequent point of contention, and usually because there is no evidence that the drying period was necessary. A drying log that records readings at each visit against a defined dry standard removes that argument entirely.
It also protects everyone from the opposite problem. Equipment removed too early leaves material that has not reached the dry standard, and a mould claim arrives four months later that is more expensive than the additional equipment days would have been. The log is the evidence in both directions.
Separating parties from the start
Where a loss affects multiple tenancies, lots or occupiers, a single combined report forces the adjuster to disentangle scopes that should never have been merged. Each interested party has a different insurer, a different policy and a different set of affected items.
We document separately from the outset — per tenancy, per lot — with each set of records tied back to one consistent cause-of-loss narrative. Each claim can then be assessed on its own evidence without waiting on the others or reconciling contradictions between documents.
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Need a restoration contractor who documents properly?
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(03) 7035 0623Insurer and adjuster FAQs
What documentation is provided as standard?
A cause-of-loss narrative with supporting photographs, water category recorded at attendance, moisture mapping of affected areas, a drying log with readings at each visit against a defined dry standard, an equipment schedule, and an itemised scope of works with salvage decisions explained. Where multiple parties are affected, each gets its own set tied to the one narrative.
How do you justify the number of equipment days?
With the drying log. Readings at each visit against a defined dry standard show when the structure actually reached dry, rather than relying on a technician’s judgement. It works in both directions — it justifies the days that were needed, and it protects against equipment being pulled early and producing a mould claim months later.
Are you IICRC certified?
Yes. Floodrest is an IICRC Certified Firm and operates as part of Premrest (Premier Restorations Group Pty Ltd). Our drying and remediation work follows IICRC standards, which is also what makes the drying log meaningful — there is a defined standard being worked to rather than an internal one.
Can you attend as a make safe before the claim is confirmed?
Yes, and it usually reduces the eventual claim. Make safe is bounded work — stop the ingress, extract, protect, stabilise — and it can proceed while coverage is being confirmed. Every hour water sits, more material crosses from dryable to needing replacement, so waiting for confirmation is generally the more expensive option.