Building Assessments
On-site inspection of the insured property to identify the proximate cause of the claimed loss, assess the full extent of resultant damage, and determine the appropriate scope of reinstatement. Pre-existing defects and maintenance issues are identified and documented separately from resultant damage.
Event Types Covered
Standards Applied
Report Delivers
- Clear proximate cause statement
- Resultant damage documentation
- Pre-existing defect identification (separate)
- Annotated photographic evidence
- Mud map with damage areas marked
- Scope of works and estimate
- Mandatory causation statement
Roof Elements Assessed
Metal sheet (Trimdek, Colorbond, Custom Orb / corrugated), concrete and terracotta tiles, ridge cap and pointing, hip and valley flashing, sarking and anticon, dektites and pipe flashings, guttering and downpipes, fascia and bargeboards, skillion and flat roof membranes.
Roof Causation Reports
Specialist roof inspection and causation analysis. Storm or impact damage must be distinguished from age-related deterioration, improper installation, and deferred maintenance, all of which can present similarly to the untrained eye. Monarch's roof reports make that distinction clearly and defensibly.
Causation Considerations
- Storm, hail and wind impact characterisation
- Foot traffic and mechanical damage
- Corrosion and material fatigue
- Ridge cap pointing deterioration and bedding failure
- Installation defects and non-compliant work
- Minimum pitch compliance (AS 1562.1, AS 2050)
Single, multi-level, and high-rise inspections available. Multi-storey and high-rise roofs assessed via expert drone imagery where roof walking is unsafe, impractical, or restricted by access.
Scope of Works & Estimates
Estimates must be structured so that a builder can quote accurately without calling for clarification. Every category is labelled by room or area with dimensions. Line items specify elevation. Prelims, insurances, and mandatory items are always included.
Estimate Structure
- 1. Area of damage categories (Room/Area + Dimensions)
- 2. General items (waste, skip bins, hire equipment)
- 3. Preliminaries (Supervision, Furniture Removal, Floor Protection)
- 4. Insurances (QBCC, GST removed)
Specialist Inspections
Technical inspections for claims that require depth beyond a standard building assessment.
ACM Identification
Asbestos-containing material identification in older residential and commercial properties, including sheds and outbuildings.
Moisture Investigation
Moisture mapping, Category 3 water classification, and mould assessment following water damage events.
Post-Repair Quality
Single-room or multi-area post-repair inspection confirming works meet scope and standard.
Minor Roof Make Safe
Minor make safe works completed during site attendance, with a make safe report included.
Escape of Liquid
Precise identification of the failure source, flow path documentation, and systematic assessment of resultant damage to structure, linings, flooring, and finishes. Water category classification and drying scope are included where relevant.
Common Failure Sources
Standards
Photo: Fachy Marín / Unsplash
Fire Damage Assessment
Post-fire building assessment addressing the full spectrum of loss, including fire, heat, smoke, soot, and suppression damage, across structural elements, services, finishes, and outbuildings. Monarch has specific experience with asbestos-containing shed structures common to Queensland properties.
- Proximate cause and origin assessment
- Structural integrity post-fire
- Smoke, heat and soot damage extent
- Fire suppression damage (water/foam)
- ACM identification in affected structures
- Full reinstatement scope