When construction-related damage occurs, the path to compensation typically runs through either the builder's public liability insurance, your own home insurance policy, or a direct legal claim against the responsible party. In every scenario, a pre-construction dilapidation report significantly strengthens your position.
Insurance assessors look for objective, time-stamped evidence that the damage did not exist before construction began. A well-prepared dilapidation report provides exactly that -- dated photographs, written descriptions, and a signed statement from a qualified professional establishing the baseline condition of your property.
To maximise the report's value in a claim, ensure it was completed before works started, covers every accessible area of the property, and was prepared by a suitably qualified and insured professional. Pair the pre-construction report with a post-construction inspection by the same surveyor for the strongest possible comparison. Keep copies of all correspondence with the builder and your insurer, and lodge your claim promptly once damage is identified.