Begin with project-wide costs
State site establishment, supervision, safety, temporary services, protection, waste, access and programme assumptions. Explain which costs are fixed, time-related or dependent on the insurer's sequencing.
Avoid spreading overhead invisibly across trade lines if that prevents comparison. Show builder's margin and GST consistently.
Organise by category and location
Separate incomplete work, first-builder defects, consequential damage and owner changes. Within each category, group by trade or building area while retaining issue references.
For duplexes, identify costs by unit where possible. This assists policy and dwelling-limit assessment.
Describe the complete task
Each line should include investigation where needed, removal, disposal, preparation, compliant installation, testing, certification and reinstatement. A price to fix waterproofing is incomplete if it omits tile removal, substrate repair, flood testing and retiling.
State products or performance requirements where known and identify design or engineering dependencies.
Make uncertainty explicit
Use provisional sums for genuinely unquantifiable concealed work, with a clear trigger and evidence required for adjustment. List exclusions and assumptions, including access hours, existing services, material availability and approval status.
Provide a schedule of rates for likely variations. This allows urgent or discovered work to be valued without renegotiating the entire contract.
Practical takeaway: The best quotation enables a third party to understand what will be done, where, why, how much and under what assumptions.
How ARK Houses can help
ARK Houses structures its completion and rectification proposal as both a construction methodology and a cost model. That allows the owner and insurer to understand what will be done, where, why, under which assumptions and at what price.
Discuss Your Builder Recovery ProjectThis article provides general construction information only. It is not legal, financial or insurance advice. HBCF cover, deadlines, insurer decisions, contract rights and project requirements depend on the policy, evidence and individual circumstances. Obtain appropriate professional advice for your matter.
