Types of Claims
Tradie's Insurance
- Public liability covers damage they cause
- They should lodge the claim
- Get their insurance details upfront
Your Home Insurance
- May cover accidental damage
- Check your policy exclusions
- May affect no-claim bonus
Making a Claim
- Document the damage immediately
- Get tradie's insurance details
- Notify your insurer (if relevant)
- Don't dispose of damaged items
- Get repair quotes
What's Typically Covered
- Property damage caused by tradie
- Third party injury
- Accidental damage during work
What's NOT Covered
- Poor workmanship
- Work not done properly
- Defects in materials
- Pre-existing conditions
If Tradie is Uninsured
- Claim against them directly
- Fair Trading complaint
- Legal action if needed
- Your insurance may help (check policy)
Documentation Needed
- Photos/video of damage
- Contract and invoices
- Repair quotes
- Communication records
- Witness statements