The process
How it works
You deal with us, and we deal with everyone else. Here is what happens at each of the four steps, and what we'll need from you along the way.
Free roof inspection
We check the roof surface, flashings, gutters, skylights and the ceilings inside, and photograph everything we find. You see every photo we take, and you get a written verdict either way: if there's no claimable damage, that's the end of it, and you keep a certificate stating your roof was inspected and found sound.
All we need at this point is access to the property. You don't need your policy paperwork yet.
We lodge and manage the claim
If there is claimable damage, we prepare the evidence and lodge the claim with your insurer, then handle every call and email after that. If the insurer wants more information, we deal with it, and you get updates as the claim moves without having to chase anyone.
This is where we need your policy number and your insurer's name, plus photos of any interior damage you've noticed (or we'll take them).
We negotiate the settlement
Once the insurer responds, we push for the full scope of repairs your policy entitles you to, not the cheapest patch job. You get the insurer's offer and our recommendation in writing, with exact figures, before you sign anything.
Repairing, taking the cash or using your own builder stays your call, and there's no rush on it. Nothing proceeds without your sign-off.
Licensed builder rebuilds
When you approve, a licensed builder carries out the approved scope of work, project-managed by us end to end. Any insurance money paid to you comes from your insurer directly; we never handle it.
You give us access for the build and sign off when the work is done. That's the job finished.
Whichever step you're at, the arrangement is the same. You deal with us, and we deal with the rest:
- Apex Claims
- Your single point of contact. If you're not sure about something, call us and ask.
- Your insurer
- Assesses the claim and pays any settlement straight into your bank account, never through us.
- The builder
- Does the physical work under their building licence. We manage them, so you don't have to.
- You
- Approve each stage, and deal with your insurer directly for anything involving your bank details.