Residential • Commercial • Bespoke Services

From Planning to Aftercare

Insurance reinstatement works

Reinstating properties after
fire, flood, and water damage.

We work with loss adjusters, insurers, and property managers to restore residential and commercial properties to pre-loss condition — fully documented, to agreed schedules.

What we handle

Types of damage we handle

🔥

Fire damage reinstatement

Full strip-out of fire-damaged structures, smoke and soot remediation, structural repairs, and complete rebuild to pre-loss condition.

💧

Flood & escape of water

Water damage strip-out, drying management, mould remediation, and reinstatement of finishes, fixtures, and fittings.

🌧️

Storm damage & roof repairs

Emergency make-safe, roof structure repair, tile and lead work, and full internal reinstatement following storm ingress.

🧱

Subsidence & structural repair

Underpinning works, crack injection, structural stabilisation, and reinstatement of affected internal and external finishes.

💨

Impact & accidental damage

Reinstatement following vehicle impact, falling trees, or other accidental damage — scoped, documented, and agreed with the adjuster.

🏗️

Full strip-out & rebuild

Where damage is extensive, we manage the complete strip-out, structural rebuild, and fit-out to agreed specification and programme.

Our process

How we work with loss adjusters and insurers

01

Initial assessment & photographic schedule

We attend site promptly, carry out a thorough condition survey, and produce a full photographic record of all damage before any works commence.

02

Scope and cost agreed with adjuster

We produce an itemised schedule of works and costing for the loss adjuster's review. We work directly from the adjuster's own scope where one is provided.

03

Phased works programme with sign-off stages

Works are broken into agreed stages with clear sign-off points, allowing the insurer or adjuster to review progress before each phase is authorised.

04

Completion certification and reinstatement report

On completion we issue a full reinstatement report with photographic evidence, test certificates where applicable, and confirmation that the property has been returned to pre-loss condition.

Documentation

What we provide

Full photographic record before, during, and after

Every stage is photographed systematically. Images are date-stamped and organised by area for easy reference by the insurer or adjuster.

Method statements and risk assessments

Site-specific RAMS produced for all works, particularly important where occupied properties or hazardous materials such as asbestos are involved.

Stage sign-off documentation

Written sign-off at each agreed stage of works, providing a clear audit trail for the claim file.

Final reinstatement report

A comprehensive report on completion, covering all works carried out, materials used, and confirmation that the property has been restored to pre-loss condition.

Frequently asked questions

Are you experienced in insurance reinstatement works?+
Yes. We work regularly with loss adjusters and insurance companies on residential and commercial reinstatement projects. We understand the documentation requirements, the importance of agreed scopes, and the need for clear stage sign-off throughout the claim process.
Can you work to an adjuster's agreed scope?+
Yes. We can work directly from a loss adjuster's schedule of works and provide itemised costings against each line item. Where a scope has not yet been produced, we can prepare our own schedule and submit it for adjuster review.
How quickly can you mobilise after an insurance claim is approved?+
Typically within two weeks of instruction, depending on the scope and whether any specialist trades or materials are required. For emergency make-safe works we can attend more rapidly. We will always confirm a mobilisation date at the point of instruction.
Do you work in occupied properties?+
Yes. We understand that reinstatement works often take place in homes where residents are going through an extremely stressful experience. We manage the works sensitively, maintain clear communication with occupants, and take particular care around health, safety, and dust and noise management.
What areas do you cover?+
We cover Greater London and surrounding counties. For larger commercial reinstatement projects we can consider locations further afield — please contact us to discuss your specific requirements.

Independently reviewed

Read what clients say — in full, with our replies — on Checkatrade and Google.

Talk to us about your reinstatement project

Whether you are a loss adjuster, insurer, or property manager, we can discuss your requirements, confirm availability, and provide a schedule of works and costing for the claim file.

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