You should take immediate reasonable steps to protect people, secure the property and prevent further damage. However, substantial or permanent repairs should generally not begin until the insurer has been contacted and has had a reasonable opportunity to assess the loss.

Emergency action comes first #

Do not delay urgent work needed to make an area safe or reduce further loss. This may include isolating utilities, temporary weatherproofing, securing damaged property or arranging emergency services.

Before and during emergency work:

• take clear photographs or video of the damage
• keep damaged items where safe and practical
• retain invoices, receipts and contractor reports
• record why urgent action was necessary

Contact us before permanent repairs #

Contact Webber Insurance as soon as possible before authorising major repairs, demolition or replacement. The insurer may need to approve repairers, inspect the damage or agree to a scope of work.

If waiting would create a safety risk or allow further damage, take reasonable protective action and document it carefully. Policy terms and claim circumstances vary, so specific approval should be obtained wherever practical.