Insurance, quotes and payment

Learn what affects restoration costs and how documentation can support an insurance claim.

• How much does water damage restoration cost?
• Does home insurance cover water damage?
• Should I call my insurer or a restoration company first?
• Can NRN communicate with my insurer or assessor?
• Will I receive a quote before work begins?
• What evidence should I keep for an insurance claim?
• What is the difference between storm damage and flood damage on a policy?
• Can I use NRN if I am not making an insurance claim?

How much does water damage restoration cost?

There is no single price for every property. Cost depends on the size of the affected area, type of water, materials, drying time, equipment and any repairs. NRN assesses the damage and explains the proposed scope and quote before work proceeds.

Does home insurance cover water damage?

Cover depends on your policy and the cause of the damage. Sudden incidents such as a burst pipe may be treated differently from gradual leaks or flood events. Check your policy and ask your insurer what applies to your claim.

Should I call my insurer or a restoration company first?

If anyone is at risk, deal with safety first. For emergency work to limit further damage, call NRN and notify your insurer as soon as practical. Your insurer can explain approval requirements for the specific claim and for later repairs.

Can NRN communicate with my insurer or assessor?

NRN can provide job documentation such as photographs, moisture readings and a scope of work, and can discuss site access with an assessor. Your insurer decides what is covered and what work it approves.

Will I receive a quote before work begins?

The team will discuss the proposed work and cost with you before proceeding. Emergency make-safe work and later repairs may be treated as separate stages; ask for the scope and pricing for your situation.

What evidence should I keep for an insurance claim?

Keep photos and videos of the damage taken before anything is moved, a note of when it happened and the cause, receipts for emergency costs, and copies of any reports and moisture readings. Keep damaged items until your insurer says they can be disposed of.

What is the difference between storm damage and flood damage on a policy?

Policies commonly treat storm damage as rain or wind damage entering through the roof, windows or other openings, and flood as water rising from rivers, creeks or other bodies of water. Flood cover is sometimes optional or excluded. Your own policy wording decides, so check it or ask your insurer.

Can I use NRN if I am not making an insurance claim?

Yes. NRN works directly with home owners, landlords, tenants, businesses and strata managers as well as on insurance jobs. Call 1300 050 565 to arrange an assessment and quote.