Builder and Restoration Panel FAQs
The CHU Builder and Restoration Panel is designed to make the claims and restoration process simpler, faster and more seamless.
Below you’ll find answers to some of the most common questions – covering everything from what’s included to how restoration works – so you know exactly what to expect every step of the way.
CHU will apply reasonable market rates to restoration costs to determine a claimable entitlement.
CHU encourage the use of listed panel restorers who have agreed to prior rate schedules when completing works for CHU insured clients.
Carpets within a lot are considered a lot owners contents item by definition in the CHU Strata Insurance Plan unless endorsed otherwise. Associated restoration costs should respectfully be referred to a contents or landlord insurer for consideration.
Alternate accommodation or rental loss is considered on the basis of claimable damage to insured property to an extent which causes the lot/unit to become unfit for its intended purpose.
Generally, the use of restoration equipment is considered to be a reasonably incurred inconvenience rather than causing a lot/unit to be unfit. Claims of this nature will be reviewed individually under their particular circumstances.
Unfortunately no, carpet within an individual lot is not considered to be part of the insured property. We would refer you to your contents/landlord insurer to liaise with them in regards to this aspect.
If there is an accepted claim under Policy 1 you can claim for excess electricity usage. What we require is 12 months of bills prior to the date of loss to be able to calculate the difference.
It is safe however it likely won’t be comfortable. Depending on the severity of the amount of drying equipment required will depend on the property being deemed habitable. For example, if it’s just one small dryer in a bedroom that is used as a spare room the property would be deemed liveable.
If the property is unliveable during the restoration period and you are owner occupied you may qualify for temporary accommodation.
Any structural components of your property.
The Lot owner is responsible for Lot owners Carpets, Curtains, Furniture, Dishwashers.
The Owners Corporation is responsible for common area contents.
Yes, resultant damage is covered, however cover is limited to what is covered as building under strata legislation, i.e., walls, fixed hardwood floors and floating floors, general contents and carpet within the lot is not deemed as building therefore no cover.
Yes, as the walls and ceiling is part of the building cover exists for remediation of the walls and ceiling.
This information can be found under the claims tab or click on one of the links below:
Contact your friendly CHU claims consultant on 1300 361 263 and/or provider to attend your premises, we will figure that out for you.
Of course, please use the contact details on CHU’s website under our claims tab or click on one of the links below:
They can certainly be used for other types of events including fire and drug contamination, please contact our panel for advice.